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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 | $84,871 | $49,177+72.6% | $79,476+6.8% | $64,181+32.2% |
| Participation rate | 46.3% | 65.0%-18.8pp | 73.3%-27.1pp | 69.6%-23.3pp |
| Annual return | -11.54% | -1.16%-10.4pp | 718.21%-729.8pp | 7.63%-19.2pp |
| Employer contribution / active EE | $1,254 | $2,076-39.6% | $2,800-55.2% | $2,381-47.3% |
| Participant deferral / active EE | $2,714 | $2,821-3.8% | $3,704-26.7% | $3,470-21.8% |
| Admin fee / account holder | $1,930 | $3,839-49.7% | $5,113-62.3% | $4,887-60.5% |