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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 | $26,972 | $75,962-64.5% | $154,111-82.5% | $64,173-58.0% |
| Participation rate | 32.8% | 70.4%-37.6pp | 83.0%-50.3pp | 69.6%-36.8pp |
| Annual return | -9.96% | 30.32%-40.3pp | 735.18%-745.1pp | 7.63%-17.6pp |
| Employer contribution / active EE | $1,269 | $3,350-62.1% | $5,298-76.0% | $2,381-46.7% |
| Participant deferral / active EE | $1,584 | $3,175-50.1% | $5,081-68.8% | $3,470-54.3% |
| Admin fee / account holder | $647 | $5,589-88.4% | $13,411-95.2% | $4,887-86.8% |