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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 | $31,790 | $75,832-58.1% | $147,617-78.5% | $59,633-46.7% |
| Participation rate | 50.6% | 71.6%-20.9pp | 84.6%-34.0pp | 68.7%-18.0pp |
| Annual return | -2.87% | 0.37%-3.2pp | 61.98%-64.9pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $667 | $3,485-80.8% | $5,564-88.0% | $2,203-69.7% |
| Participant deferral / active EE | $2,340 | $3,131-25.3% | $4,895-52.2% | $3,192-26.7% |
| Admin fee / account holder | $1,499 | $5,986-75.0% | $11,612-87.1% | $4,297-65.1% |