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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,508 | $138,072-65.6% | $123,549-61.5% | $135,382-64.9% |
| Participation rate | 62.5% | 84.7%-22.2pp | 82.3%-19.8pp | 82.6%-20.1pp |
| Annual return | -13.66% | 153.69%-167.4pp | 119.20%-132.9pp | 519.77%-533.4pp |
| Employer contribution / active EE | $4,383 | $5,152-14.9% | $4,628-5.3% | $4,779-8.3% |
| Participant deferral / active EE | $8,441 | $6,799+24.1% | $6,426+31.4% | $5,609+50.5% |
| Admin fee / account holder | $1,415 | $10,917-87.0% | $9,284-84.8% | $10,829-86.9% |