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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 | $81,765 | $69,012+18.5% | $160,037-48.9% | $68,490+19.4% |
| Participation rate | 36.4% | 65.4%-29.1pp | 78.0%-41.6pp | 67.9%-31.5pp |
| Annual return | -21.44% | -9.65%-11.8pp | 408.95%-430.4pp | -7.85%-13.6pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,226-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,771 | $4,212-34.2% | $6,184-55.2% | $4,028-31.2% |
| Admin fee / account holder | $1,384 | $4,798-71.2% | $8,716-84.1% | $5,403-74.4% |