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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 | $97,724 | $77,905+25.4% | $149,682-34.7% | $75,173+30.0% |
| Participation rate | 37.1% | 65.6%-28.4pp | 78.8%-41.6pp | 67.2%-30.1pp |
| Annual return | -32.99% | 31.72%-64.7pp | 134.35%-167.3pp | 160.65%-193.6pp |
| Employer contribution / active EE | $813 | $3,138-74.1% | $4,818-83.1% | $2,670-69.6% |
| Participant deferral / active EE | $1,160 | $3,411-66.0% | $5,681-79.6% | $4,126-71.9% |
| Admin fee / account holder | $808 | $5,957-86.4% | $13,210-93.9% | $5,651-85.7% |