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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 | $74,824 | $107,809-30.6% | $90,657-17.5% | $135,380-44.7% |
| Participation rate | 69.6% | 78.0%-8.5pp | 74.0%-4.5pp | 82.6%-13.1pp |
| Annual return | -9.81% | -0.90%-8.9pp | 1.89%-11.7pp | 519.81%-529.6pp |
| Employer contribution / active EE | $161 | $3,018-94.7% | $2,532-93.6% | $4,779-96.6% |
| Participant deferral / active EE | $1,842 | $3,872-52.4% | $3,424-46.2% | $5,609-67.2% |
| Admin fee / account holder | $3,131 | $5,931-47.2% | $4,994-37.3% | $10,828-71.1% |