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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 | $27,250 | $127,387-78.6% | $115,038-76.3% | $125,389-78.3% |
| Participation rate | 66.7% | 84.2%-17.5pp | 81.4%-14.7pp | 83.2%-16.5pp |
| Annual return | -7.86% | 31.28%-39.1pp | 26.14%-34.0pp | 282.24%-290.1pp |
| Employer contribution / active EE | $2,106 | $5,166-59.2% | $4,608-54.3% | $4,866-56.7% |
| Participant deferral / active EE | $9,028 | $6,423+40.6% | $6,026+49.8% | $5,352+68.7% |
| Admin fee / account holder | $1,005 | $9,516-89.4% | $8,175-87.7% | $9,541-89.5% |