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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 | $53,583 | $100,792-46.8% | $86,691-38.2% | $134,509-60.2% |
| Participation rate | 69.2% | 78.9%-9.7pp | 76.6%-7.4pp | 81.2%-12.0pp |
| Annual return | -20.86% | 29.08%-49.9pp | 35.94%-56.8pp | 418.13%-439.0pp |
| Employer contribution / active EE | $2,451 | $3,491-29.8% | $2,837-13.6% | $4,741-48.3% |
| Participant deferral / active EE | $5,504 | $5,339+3.1% | $4,656+18.2% | $6,400-14.0% |
| Admin fee / account holder | $2,283 | $10,924-79.1% | $7,492-69.5% | $11,427-80.0% |