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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 | $42,518 | $127,100-66.5% | $105,738-59.8% | $135,379-68.6% |
| Participation rate | 58.3% | 82.7%-24.4pp | 76.3%-18.0pp | 82.6%-24.3pp |
| Annual return | -10.83% | 4.49%-15.3pp | 6.27%-17.1pp | 519.79%-530.6pp |
| Employer contribution / active EE | $1,479 | $4,107-64.0% | $3,268-54.7% | $4,779-69.0% |
| Participant deferral / active EE | $1,616 | $5,064-68.1% | $4,080-60.4% | $5,609-71.2% |
| Admin fee / account holder | $2,350 | $9,087-74.1% | $6,913-66.0% | $10,828-78.3% |