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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 | $56,620 | $75,962-25.5% | $154,108-63.3% | $64,173-11.8% |
| Participation rate | 44.7% | 70.4%-25.7pp | 83.0%-38.3pp | 69.6%-24.8pp |
| Annual return | -9.00% | 30.32%-39.3pp | 735.21%-744.2pp | 7.63%-16.6pp |
| Employer contribution / active EE | $1,298 | $3,350-61.3% | $5,298-75.5% | $2,381-45.5% |
| Participant deferral / active EE | $5,123 | $3,175+61.4% | $5,081+0.8% | $3,470+47.6% |
| Admin fee / account holder | $698 | $5,589-87.5% | $13,411-94.8% | $4,887-85.7% |