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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 | $61,531 | $99,032-37.9% | $80,022-23.1% | $135,379-54.5% |
| Participation rate | 60.0% | 78.4%-18.4pp | 75.8%-15.8pp | 82.6%-22.6pp |
| Annual return | -9.19% | 15.39%-24.6pp | 11.22%-20.4pp | 519.79%-529.0pp |
| Employer contribution / active EE | $1,342 | $3,043-55.9% | $2,468-45.6% | $4,779-71.9% |
| Participant deferral / active EE | $1,666 | $4,282-61.1% | $3,686-54.8% | $5,609-70.3% |
| Admin fee / account holder | $794 | $10,436-92.4% | $6,521-87.8% | $10,828-92.7% |