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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 | $39,861 | $133,998-70.3% | $112,263-64.5% | $134,545-70.4% |
| Participation rate | 44.4% | 78.6%-34.1pp | 75.1%-30.6pp | 81.2%-36.8pp |
| Annual return | -22.90% | 47.17%-70.1pp | 27.49%-50.4pp | 418.37%-441.3pp |
| Employer contribution / active EE | $2,111 | $4,040-47.8% | $3,636-42.0% | $4,742-55.5% |
| Participant deferral / active EE | $6,737 | $5,292+27.3% | $4,729+42.4% | $6,401+5.2% |
| Admin fee / account holder | $509 | $7,493-93.2% | $6,410-92.1% | $11,431-95.6% |