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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 | $29,314 | $57,352-48.9% | $83,831-65.0% | $64,173-54.3% |
| Participation rate | 53.3% | 68.6%-15.3pp | 76.1%-22.8pp | 69.6%-16.2pp |
| Annual return | -10.55% | 11.38%-21.9pp | 850.99%-861.5pp | 7.63%-18.2pp |
| Employer contribution / active EE | $723 | $2,546-71.6% | $3,631-80.1% | $2,381-69.7% |
| Participant deferral / active EE | $2,092 | $2,993-30.1% | $4,082-48.8% | $3,470-39.7% |
| Admin fee / account holder | $1,547 | $4,046-61.8% | $5,479-71.8% | $4,887-68.4% |