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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 | $37,636 | $138,076-72.7% | $123,553-69.5% | $135,380-72.2% |
| Participation rate | 50.0% | 84.7%-34.7pp | 82.3%-32.3pp | 82.6%-32.6pp |
| Annual return | -11.21% | 153.70%-164.9pp | 119.21%-130.4pp | 519.81%-531.0pp |
| Employer contribution / active EE | $1,305 | $5,152-74.7% | $4,628-71.8% | $4,779-72.7% |
| Participant deferral / active EE | $5,608 | $6,800-17.5% | $6,426-12.7% | $5,6090% |
| Admin fee / account holder | $412 | $10,917-96.2% | $9,284-95.6% | $10,828-96.2% |