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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 | $35,710 | $75,962-53.0% | $154,108-76.8% | $64,173-44.4% |
| Participation rate | 48.1% | 70.4%-22.3pp | 83.0%-34.9pp | 69.6%-21.4pp |
| Annual return | -13.72% | 30.32%-44.0pp | 735.21%-748.9pp | 7.63%-21.4pp |
| Employer contribution / active EE | $1,193 | $3,350-64.4% | $5,298-77.5% | $2,381-49.9% |
| Participant deferral / active EE | $2,328 | $3,175-26.7% | $5,081-54.2% | $3,470-32.9% |
| Admin fee / account holder | $2,626 | $5,589-53.0% | $13,411-80.4% | $4,887-46.3% |