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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 | $77,726 | $45,872+69.4% | $77,100+0.8% | $68,490+13.5% |
| Participation rate | 44.7% | 55.9%-11.2pp | 67.9%-23.2pp | 67.9%-23.2pp |
| Annual return | -24.07% | 1.73%-25.8pp | 42.35%-66.4pp | -7.85%-16.2pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $864 | $2,963-70.8% | $4,430-80.5% | $4,028-78.6% |
| Admin fee / account holder | $822 | $3,041-73.0% | $5,443-84.9% | $5,403-84.8% |