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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 | $30,708 | $91,537-66.5% | $130,045-76.4% | $75,173-59.2% |
| Participation rate | 68.5% | 71.5%-3.0pp | 78.5%-10.0pp | 67.2%+1.3pp |
| Annual return | 5.12% | -631.55%+636.7pp | -137.30%+142.4pp | 160.72%-155.6pp |
| Employer contribution / active EE | $2,506 | $2,845-11.9% | $4,321-42.0% | $2,671-6.2% |
| Participant deferral / active EE | $5,490 | $4,343+26.4% | $5,820-5.7% | $4,126+33.0% |
| Admin fee / account holder | $3,272 | $6,780-51.7% | $10,600-69.1% | $5,651-42.1% |