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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 | $43,228 | $167,353-74.2% | $143,797-69.9% | $134,545-67.9% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.7pp | 81.2%-14.6pp |
| Annual return | -21.68% | 0.48%-22.2pp | -0.04%-21.6pp | 418.37%-440.1pp |
| Employer contribution / active EE | $3,942 | $5,620-29.9% | $4,952-20.4% | $4,742-16.9% |
| Participant deferral / active EE | $5,914 | $6,447-8.3% | $5,638+4.9% | $6,401-7.6% |
| Admin fee / account holder | $6,443 | $18,096-64.4% | $14,679-56.1% | $11,431-43.6% |