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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 | $28,956 | $175,231-83.5% | $149,696-80.7% | $139,466-79.2% |
| Participation rate | 53.8% | 83.4%-29.5pp | 78.8%-24.9pp | 80.3%-26.5pp |
| Annual return | -26.42% | 166.77%-193.2pp | 134.46%-160.9pp | 373.66%-400.1pp |
| Employer contribution / active EE | $1,561 | $5,478-71.5% | $4,821-67.6% | $4,754-67.2% |
| Participant deferral / active EE | $2,729 | $6,521-58.2% | $5,682-52.0% | $6,712-59.3% |
| Admin fee / account holder | $67,620 | $16,155+318.6% | $13,212+411.8% | $11,409+492.7% |