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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 | $71,032 | $154,193-53.9% | $130,045-45.4% | $139,466-49.1% |
| Participation rate | 46.7% | 82.0%-35.3pp | 78.5%-31.8pp | 80.3%-33.7pp |
| Annual return | 6.26% | 32.51%-26.3pp | -137.30%+143.6pp | 373.66%-367.4pp |
| Employer contribution / active EE | $2,496 | $5,292-52.8% | $4,321-42.2% | $4,754-47.5% |
| Participant deferral / active EE | $3,563 | $6,709-46.9% | $5,820-38.8% | $6,712-46.9% |
| Admin fee / account holder | $34,622 | $13,989+147.5% | $10,600+226.6% | $11,409+203.5% |