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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 | $107,659 | $167,362-35.7% | $143,799-25.1% | $134,532-20.0% |
| Participation rate | 58.3% | 84.8%-26.5pp | 80.3%-22.0pp | 81.2%-22.9pp |
| Annual return | -20.21% | 0.47%-20.7pp | -0.04%-20.2pp | 418.27%-438.5pp |
| Employer contribution / active EE | $1,400 | $5,620-75.1% | $4,952-71.7% | $4,741-70.5% |
| Participant deferral / active EE | $3,096 | $6,447-52.0% | $5,638-45.1% | $6,401-51.6% |
| Admin fee / account holder | $2,100 | $18,094-88.4% | $14,677-85.7% | $11,429-81.6% |