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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 | $86,893 | $95,917-9.4% | $79,583+9.2% | $134,545-35.4% |
| Participation rate | 50.0% | 75.0%-25.0pp | 69.5%-19.5pp | 81.2%-31.2pp |
| Annual return | -21.62% | -2.70%-18.9pp | 0.16%-21.8pp | 418.37%-440.0pp |
| Employer contribution / active EE | $1,364 | $3,129-56.4% | $2,414-43.5% | $4,742-71.2% |
| Participant deferral / active EE | $7,458 | $4,694+58.9% | $3,986+87.1% | $6,401+16.5% |
| Admin fee / account holder | $3,876 | $9,132-57.6% | $6,835-43.3% | $11,431-66.1% |