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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 | $31,318 | $83,843-62.6% | $123,973-74.7% | $65,306-52.0% |
| Participation rate | 29.8% | 56.0%-26.2pp | 76.7%-46.9pp | 57.7%-27.9pp |
| Annual return | -61.85% | 19.87%-81.7pp | 388.13%-450.0pp | 21.94%-83.8pp |
| Employer contribution / active EE | $951 | $2,873-66.9% | $4,126-76.9% | $1,967-51.6% |
| Participant deferral / active EE | $1,473 | $2,997-50.9% | $5,247-71.9% | $2,959-50.2% |
| Admin fee / account holder | $3,216 | $4,735-32.1% | $11,799-72.7% | $3,480-7.6% |