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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 | $84,369 | $91,537-7.8% | $130,045-35.1% | $75,173+12.2% |
| Participation rate | 61.7% | 71.5%-9.8pp | 78.5%-16.8pp | 67.2%-5.5pp |
| Annual return | 8.87% | -631.55%+640.4pp | -137.30%+146.2pp | 160.72%-151.8pp |
| Employer contribution / active EE | $1,970 | $2,845-30.7% | $4,321-54.4% | $2,671-26.2% |
| Participant deferral / active EE | $3,541 | $4,343-18.5% | $5,820-39.2% | $4,126-14.2% |
| Admin fee / account holder | $2,864 | $6,780-57.7% | $10,600-73.0% | $5,651-49.3% |