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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 | $89,492 | $53,162+68.3% | $91,225-1.9% | $68,486+30.7% |
| Participation rate | 63.6% | 63.2%+0.4pp | 73.2%-9.6pp | 67.9%-4.3pp |
| Annual return | -26.61% | -3.14%-23.5pp | 114.12%-140.7pp | -7.85%-18.8pp |
| Employer contribution / active EE | $4,250 | $1,709+148.6% | $2,851+49.1% | $2,597+63.7% |
| Participant deferral / active EE | $8,531 | $2,974+186.9% | $4,233+101.5% | $4,028+111.8% |
| Admin fee / account holder | $348 | $4,493-92.3% | $5,422-93.6% | $5,404-93.6% |