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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 | $106,102 | $59,819+77.4% | $79,583+33.3% | $68,490+54.9% |
| Participation rate | 51.6% | 61.1%-9.5pp | 69.5%-17.9pp | 67.9%-16.3pp |
| Annual return | -24.70% | -12.30%-12.4pp | 0.16%-24.9pp | -7.85%-16.8pp |
| Employer contribution / active EE | $1,145 | $1,505-23.9% | $2,414-52.6% | $2,597-55.9% |
| Participant deferral / active EE | $2,420 | $3,025-20.0% | $3,986-39.3% | $4,028-39.9% |
| Admin fee / account holder | $1,506 | $4,835-68.9% | $6,835-78.0% | $5,403-72.1% |