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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 | $31,956 | $142,361-77.6% | $119,608-73.3% | $134,509-76.2% |
| Participation rate | 68.8% | 82.8%-14.1pp | 79.3%-10.5pp | 81.2%-12.5pp |
| Annual return | -25.34% | -12.46%-12.9pp | -14.98%-10.4pp | 418.13%-443.5pp |
| Employer contribution / active EE | $1,470 | $5,224-71.9% | $4,232-65.3% | $4,741-69.0% |
| Participant deferral / active EE | $3,155 | $6,468-51.2% | $5,601-43.7% | $6,400-50.7% |
| Admin fee / account holder | $1,433 | $13,588-89.5% | $10,326-86.1% | $11,427-87.5% |