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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 | $86,160 | $64,729+33.1% | $112,263-23.3% | $68,490+25.8% |
| Participation rate | 61.5% | 67.2%-5.6pp | 75.1%-13.5pp | 67.9%-6.4pp |
| Annual return | -20.61% | -11.40%-9.2pp | 27.49%-48.1pp | -7.85%-12.8pp |
| Employer contribution / active EE | $0 | $2,746-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,476 | $3,566+25.5% | $4,729-5.4% | $4,028+11.1% |
| Admin fee / account holder | $21,748 | $5,222+316.5% | $6,410+239.3% | $5,403+302.5% |