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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 | $46,861 | $92,766-49.5% | $82,763-43.4% | $134,545-65.2% |
| Participation rate | 47.4% | 75.2%-27.8pp | 72.6%-25.2pp | 81.2%-33.9pp |
| Annual return | -22.78% | 946.97%-969.8pp | 702.45%-725.2pp | 418.37%-441.2pp |
| Employer contribution / active EE | $1,168 | $3,273-64.3% | $3,008-61.2% | $4,742-75.4% |
| Participant deferral / active EE | $3,465 | $4,802-27.9% | $4,395-21.2% | $6,401-45.9% |
| Admin fee / account holder | $13,370 | $5,978+123.7% | $5,325+151.1% | $11,431+17.0% |