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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 | $33,160 | $149,741-77.9% | $118,914-72.1% | $158,982-79.1% |
| Participation rate | 66.7% | 82.1%-15.5pp | 75.4%-8.7pp | 82.0%-15.3pp |
| Annual return | -13.35% | 19.94%-33.3pp | 35.89%-49.2pp | 302.99%-316.3pp |
| Employer contribution / active EE | $8,398 | $4,119+103.9% | $3,264+157.3% | $4,763+76.3% |
| Participant deferral / active EE | $9,917 | $5,226+89.8% | $4,266+132.5% | $5,983+65.7% |
| Admin fee / account holder | $887 | $8,607-89.7% | $6,582-86.5% | $11,252-92.1% |