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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 | $80,695 | $75,962+6.2% | $154,108-47.6% | $64,173+25.7% |
| Participation rate | 53.6% | 70.4%-16.8pp | 83.0%-29.5pp | 69.6%-16.0pp |
| Annual return | -8.68% | 30.32%-39.0pp | 735.21%-743.9pp | 7.63%-16.3pp |
| Employer contribution / active EE | $2,385 | $3,350-28.8% | $5,298-55.0% | $2,381+0.2% |
| Participant deferral / active EE | $5,846 | $3,175+84.1% | $5,081+15.1% | $3,470+68.5% |
| Admin fee / account holder | $855 | $5,589-84.7% | $13,411-93.6% | $4,887-82.5% |