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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 | $172,415 | $142,409+21.1% | $119,634+44.1% | $134,545+28.1% |
| Participation rate | 60.0% | 82.8%-22.8pp | 79.3%-19.3pp | 81.2%-21.2pp |
| Annual return | -20.95% | -12.46%-8.5pp | -14.98%-6.0pp | 418.37%-439.3pp |
| Employer contribution / active EE | $2,096 | $5,224-59.9% | $4,232-50.5% | $4,742-55.8% |
| Participant deferral / active EE | $3,920 | $6,468-39.4% | $5,601-30.0% | $6,401-38.8% |
| Admin fee / account holder | $2,925 | $13,594-78.5% | $10,329-71.7% | $11,431-74.4% |