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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 | $15,083 | $133,998-88.7% | $112,263-86.6% | $134,545-88.8% |
| Participation rate | 46.7% | 78.6%-31.9pp | 75.1%-28.4pp | 81.2%-34.6pp |
| Annual return | -25.15% | 47.17%-72.3pp | 27.49%-52.6pp | 418.37%-443.5pp |
| Employer contribution / active EE | $1,852 | $4,040-54.2% | $3,636-49.1% | $4,742-60.9% |
| Participant deferral / active EE | $3,066 | $5,292-42.1% | $4,729-35.2% | $6,401-52.1% |
| Admin fee / account holder | $428 | $7,493-94.3% | $6,410-93.3% | $11,431-96.3% |