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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 | $79,649 | $154,193-48.3% | $130,045-38.8% | $139,466-42.9% |
| Participation rate | 20.0% | 82.0%-62.0pp | 78.5%-58.5pp | 80.3%-60.3pp |
| Annual return | 2.52% | 32.51%-30.0pp | -137.30%+139.8pp | 373.66%-371.1pp |
| Employer contribution / active EE | $1,320 | $5,292-75.0% | $4,321-69.4% | $4,754-72.2% |
| Participant deferral / active EE | $4,042 | $6,709-39.8% | $5,820-30.6% | $6,712-39.8% |
| Admin fee / account holder | $909 | $13,989-93.5% | $10,600-91.4% | $11,409-92.0% |