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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 | $36,565 | $54,370-32.7% | $82,763-55.8% | $68,490-46.6% |
| Participation rate | 65.1% | 63.9%+1.2pp | 72.6%-7.5pp | 67.9%-2.8pp |
| Annual return | -24.49% | -13.67%-10.8pp | 702.45%-726.9pp | -7.85%-16.6pp |
| Employer contribution / active EE | $2,860 | $2,219+28.9% | $3,008-4.9% | $2,597+10.2% |
| Participant deferral / active EE | $4,013 | $3,247+23.6% | $4,395-8.7% | $4,028-0.4% |
| Admin fee / account holder | $11,091 | $4,398+152.2% | $5,325+108.3% | $5,403+105.3% |