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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 | $101,069 | $167,362-39.6% | $143,799-29.7% | $134,532-24.9% |
| Participation rate | 36.4% | 84.8%-48.5pp | 80.3%-44.0pp | 81.2%-44.9pp |
| Annual return | -25.22% | 0.47%-25.7pp | -0.04%-25.2pp | 418.27%-443.5pp |
| Employer contribution / active EE | $1,452 | $5,620-74.2% | $4,952-70.7% | $4,741-69.4% |
| Participant deferral / active EE | $4,974 | $6,447-22.9% | $5,638-11.8% | $6,401-22.3% |
| Admin fee / account holder | $2,387 | $18,094-86.8% | $14,677-83.7% | $11,429-79.1% |