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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 | $20,627 | $133,998-84.6% | $112,263-81.6% | $134,545-84.7% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -21.26% | 47.17%-68.4pp | 27.49%-48.8pp | 418.37%-439.6pp |
| Employer contribution / active EE | $956 | $4,040-76.3% | $3,636-73.7% | $4,742-79.8% |
| Participant deferral / active EE | $3,731 | $5,292-29.5% | $4,729-21.1% | $6,401-41.7% |
| Admin fee / account holder | $327 | $7,493-95.6% | $6,410-94.9% | $11,431-97.1% |