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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 | $25,382 | $190,916-86.7% | $160,037-84.1% | $134,545-81.1% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.0%-28.0pp | 81.2%-31.2pp |
| Annual return | -23.41% | 552.79%-576.2pp | 408.95%-432.4pp | 418.37%-441.8pp |
| Employer contribution / active EE | $907 | $4,996-81.8% | $4,226-78.5% | $4,742-80.9% |
| Participant deferral / active EE | $4,222 | $6,925-39.0% | $6,184-31.7% | $6,401-34.0% |
| Admin fee / account holder | $733 | $10,497-93.0% | $8,716-91.6% | $11,431-93.6% |