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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 | $144,498 | $73,863+95.6% | $143,797+0.5% | $68,490+111.0% |
| Participation rate | 49.1% | 66.7%-17.6pp | 80.3%-31.2pp | 67.9%-18.8pp |
| Annual return | -21.44% | 0.91%-22.4pp | -0.04%-21.4pp | -7.85%-13.6pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,205 | $3,385-34.9% | $5,638-60.9% | $4,028-45.3% |
| Admin fee / account holder | $10,072 | $5,756+75.0% | $14,679-31.4% | $5,403+86.4% |