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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 | $22,929 | $95,979-76.1% | $74,551-69.2% | $135,380-83.1% |
| Participation rate | 45.5% | 75.7%-30.2pp | 69.1%-23.7pp | 82.6%-37.2pp |
| Annual return | -13.44% | 56.97%-70.4pp | 32.53%-46.0pp | 519.81%-533.2pp |
| Employer contribution / active EE | $1,272 | $2,716-53.2% | $1,961-35.1% | $4,779-73.4% |
| Participant deferral / active EE | $3,239 | $3,844-15.7% | $3,108+4.2% | $5,609-42.3% |
| Admin fee / account holder | $738 | $6,522-88.7% | $5,059-85.4% | $10,828-93.2% |