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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 | $79,448 | $75,832+4.8% | $147,617-46.2% | $59,633+33.2% |
| Participation rate | 56.3% | 71.6%-15.3pp | 84.6%-28.4pp | 68.7%-12.4pp |
| Annual return | -4.31% | 0.37%-4.7pp | 61.98%-66.3pp | 2041.45%-2045.8pp |
| Employer contribution / active EE | $2,966 | $3,485-14.9% | $5,564-46.7% | $2,203+34.7% |
| Participant deferral / active EE | $8,246 | $3,131+163.4% | $4,895+68.4% | $3,192+158.3% |
| Admin fee / account holder | $6,421 | $5,986+7.3% | $11,612-44.7% | $4,297+49.4% |