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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 | $89,866 | $72,404+24.1% | $110,241-18.5% | $64,181+40.0% |
| Participation rate | 60.0% | 73.3%-13.3pp | 79.8%-19.8pp | 69.6%-9.6pp |
| Annual return | -11.26% | -6.29%-5.0pp | 314.75%-326.0pp | 7.63%-18.9pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $7,648 | $3,469+120.4% | $4,672+63.7% | $3,470+120.4% |
| Admin fee / account holder | $2,679 | $5,664-52.7% | $8,548-68.7% | $4,887-45.2% |