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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 | $48,552 | $72,404-32.9% | $110,243-56.0% | $64,173-24.3% |
| Participation rate | 50.0% | 73.3%-23.3pp | 79.8%-29.8pp | 69.6%-19.6pp |
| Annual return | -10.44% | -6.29%-4.2pp | 314.76%-325.2pp | 7.63%-18.1pp |
| Employer contribution / active EE | $1,264 | $2,282-44.6% | $3,827-67.0% | $2,381-46.9% |
| Participant deferral / active EE | $2,268 | $3,469-34.6% | $4,672-51.5% | $3,470-34.6% |
| Admin fee / account holder | $1,982 | $5,664-65.0% | $8,548-76.8% | $4,887-59.5% |