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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 | $132,945 | $65,092+104.2% | $143,799-7.5% | $66,938+98.6% |
| Participation rate | 60.0% | 65.2%-5.2pp | 80.3%-20.3pp | 69.8%-9.8pp |
| Annual return | -19.53% | -11.14%-8.4pp | -0.04%-19.5pp | 1.58%-21.1pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $3,387 | $2,920+16.0% | $5,638-39.9% | $4,238-20.1% |
| Admin fee / account holder | $973 | $502+93.7% | $14,677-93.4% | $594+63.9% |