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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 | $11,962 | $106,557-88.8% | $91,227-86.9% | $134,545-91.1% |
| Participation rate | 69.2% | 76.8%-7.6pp | 73.2%-4.0pp | 81.2%-12.0pp |
| Annual return | -23.17% | 160.81%-184.0pp | 114.14%-137.3pp | 418.37%-441.5pp |
| Employer contribution / active EE | $1,922 | $3,332-42.3% | $2,851-32.6% | $4,742-59.5% |
| Participant deferral / active EE | $5,022 | $4,719+6.4% | $4,234+18.6% | $6,401-21.5% |
| Admin fee / account holder | $332 | $6,235-94.7% | $5,423-93.9% | $11,431-97.1% |