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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 | $90,403 | $82,678+9.3% | $125,391-27.9% | $68,490+32.0% |
| Participation rate | 51.9% | 75.1%-23.2pp | 82.4%-30.5pp | 67.9%-16.0pp |
| Annual return | -19.40% | -5.97%-13.4pp | 572.41%-591.8pp | -7.85%-11.5pp |
| Employer contribution / active EE | $1,436 | $3,382-57.5% | $4,816-70.2% | $2,597-44.7% |
| Participant deferral / active EE | $4,332 | $6,111-29.1% | $7,448-41.8% | $4,028+7.6% |
| Admin fee / account holder | $1,757 | $6,277-72.0% | $10,009-82.4% | $5,403-67.5% |