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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 | $41,204 | $75,962-45.8% | $154,108-73.3% | $64,173-35.8% |
| Participation rate | 30.8% | 70.4%-39.6pp | 83.0%-52.3pp | 69.6%-38.8pp |
| Annual return | -9.40% | 30.32%-39.7pp | 735.21%-744.6pp | 7.63%-17.0pp |
| Employer contribution / active EE | $4,758 | $3,350+42.0% | $5,298-10.2% | $2,381+99.9% |
| Participant deferral / active EE | $1,920 | $3,175-39.5% | $5,081-62.2% | $3,470-44.7% |
| Admin fee / account holder | $3,244 | $5,589-42.0% | $13,411-75.8% | $4,887-33.6% |