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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 | $73,322 | $167,362-56.2% | $143,799-49.0% | $134,532-45.5% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -24.58% | 0.47%-25.1pp | -0.04%-24.5pp | 418.27%-442.8pp |
| Employer contribution / active EE | $6,795 | $5,620+20.9% | $4,952+37.2% | $4,741+43.3% |
| Participant deferral / active EE | $13,500 | $6,447+109.4% | $5,638+139.4% | $6,401+110.9% |
| Admin fee / account holder | $523 | $18,094-97.1% | $14,677-96.4% | $11,429-95.4% |