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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 | $12,640 | $95,188-86.7% | $76,518-83.5% | $135,380-90.7% |
| Participation rate | 53.3% | 74.4%-21.1pp | 68.0%-14.7pp | 82.6%-29.3pp |
| Annual return | -18.11% | 4.85%-23.0pp | -0.27%-17.8pp | 519.81%-537.9pp |
| Employer contribution / active EE | $1,610 | $3,303-51.3% | $2,647-39.2% | $4,779-66.3% |
| Participant deferral / active EE | $1,967 | $4,640-57.6% | $3,836-48.7% | $5,609-64.9% |
| Admin fee / account holder | $447 | $6,249-92.9% | $4,849-90.8% | $10,828-95.9% |