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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 | $89,335 | $42,383+110.8% | $76,518+16.7% | $64,173+39.2% |
| Participation rate | 20.0% | 58.1%-38.1pp | 68.0%-48.0pp | 69.6%-49.6pp |
| Annual return | -9.03% | -16.54%+7.5pp | -0.27%-8.8pp | 7.63%-16.7pp |
| Employer contribution / active EE | $563 | $1,563-64.0% | $2,647-78.7% | $2,381-76.4% |
| Participant deferral / active EE | $1,329 | $2,566-48.2% | $3,836-65.4% | $3,470-61.7% |
| Admin fee / account holder | $2,609 | $3,198-18.4% | $4,849-46.2% | $4,887-46.6% |