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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 | $240,109 | $82,674+190.4% | $125,381+91.5% | $68,486+250.6% |
| Participation rate | 43.6% | 75.1%-31.5pp | 82.4%-38.8pp | 67.9%-24.3pp |
| Annual return | -26.57% | -5.97%-20.6pp | 572.31%-598.9pp | -7.85%-18.7pp |
| Employer contribution / active EE | $2,348 | $3,382-30.6% | $4,815-51.2% | $2,597-9.6% |
| Participant deferral / active EE | $7,526 | $6,111+23.2% | $7,448+1.1% | $4,028+86.9% |
| Admin fee / account holder | $4,396 | $6,277-30.0% | $10,007-56.1% | $5,404-18.6% |