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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 | $117,721 | $105,866+11.2% | $90,766+29.7% | $134,545-12.5% |
| Participation rate | 66.7% | 78.3%-11.6pp | 75.7%-9.0pp | 81.2%-14.6pp |
| Annual return | -22.19% | -10.99%-11.2pp | -12.16%-10.0pp | 418.37%-440.6pp |
| Employer contribution / active EE | $1,402 | $3,464-59.5% | $2,922-52.0% | $4,742-70.4% |
| Participant deferral / active EE | $4,401 | $5,217-15.6% | $4,565-3.6% | $6,401-31.2% |
| Admin fee / account holder | $3,987 | $13,938-71.4% | $8,446-52.8% | $11,431-65.1% |