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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 | $36,595 | $211,946-82.7% | $169,452-78.4% | $135,382-73.0% |
| Participation rate | 57.1% | 82.6%-25.5pp | 77.8%-20.6pp | 82.6%-25.5pp |
| Annual return | -10.96% | 3.26%-14.2pp | 1.83%-12.8pp | 519.77%-530.7pp |
| Employer contribution / active EE | $1,631 | $5,117-68.1% | $4,157-60.8% | $4,779-65.9% |
| Participant deferral / active EE | $3,520 | $6,075-42.1% | $5,277-33.3% | $5,609-37.2% |
| Admin fee / account holder | $1,120 | $11,472-90.2% | $9,110-87.7% | $10,829-89.7% |