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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 | $105,625 | $76,551+38.0% | $123,894-14.7% | $62,881+68.0% |
| Participation rate | 25.0% | 73.0%-48.0pp | 81.4%-56.4pp | 69.3%-44.3pp |
| Annual return | -48.78% | 18.68%-67.5pp | 47.52%-96.3pp | 20.14%-68.9pp |
| Employer contribution / active EE | $1,108 | $2,882-61.6% | $4,617-76.0% | $2,281-51.4% |
| Participant deferral / active EE | $3,621 | $4,840-25.2% | $5,984-39.5% | $3,203+13.0% |
| Admin fee / account holder | $8,515 | $4,826+76.4% | $8,357+1.9% | $4,296+98.2% |