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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 | $80,312 | $95,917-16.3% | $79,583+0.9% | $134,545-40.3% |
| Participation rate | 25.0% | 75.0%-50.0pp | 69.5%-44.5pp | 81.2%-56.2pp |
| Annual return | -21.84% | -2.70%-19.1pp | 0.16%-22.0pp | 418.37%-440.2pp |
| Employer contribution / active EE | $1,300 | $3,129-58.5% | $2,414-46.1% | $4,742-72.6% |
| Participant deferral / active EE | $4,550 | $4,694-3.1% | $3,986+14.2% | $6,401-28.9% |
| Admin fee / account holder | $1,632 | $9,132-82.1% | $6,835-76.1% | $11,431-85.7% |