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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 | $83,877 | $57,352+46.2% | $83,831+0.1% | $64,173+30.7% |
| Participation rate | 37.9% | 68.6%-30.7pp | 76.1%-38.2pp | 69.6%-31.6pp |
| Annual return | -8.72% | 11.38%-20.1pp | 850.99%-859.7pp | 7.63%-16.4pp |
| Employer contribution / active EE | $2,334 | $2,546-8.3% | $3,631-35.7% | $2,381-2.0% |
| Participant deferral / active EE | $1,675 | $2,993-44.0% | $4,082-59.0% | $3,470-51.7% |
| Admin fee / account holder | $1,871 | $4,046-53.8% | $5,479-65.9% | $4,887-61.7% |