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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 | $56,231 | $91,525-38.6% | $130,026-56.8% | $75,181-25.2% |
| Participation rate | 58.5% | 71.4%-13.0pp | 78.5%-20.0pp | 67.2%-8.7pp |
| Annual return | 3.17% | -631.40%+634.6pp | -137.26%+140.4pp | 160.69%-157.5pp |
| Employer contribution / active EE | $1,925 | $2,844-32.3% | $4,321-55.5% | $2,671-27.9% |
| Participant deferral / active EE | $2,719 | $4,342-37.4% | $5,821-53.3% | $4,126-34.1% |
| Admin fee / account holder | $19,965 | $6,778+194.5% | $10,608+88.2% | $5,650+253.4% |