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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 | $38,931 | $45,566-14.6% | $64,105-39.3% | $59,633-34.7% |
| Participation rate | 59.2% | 60.2%-1.0pp | 68.2%-9.0pp | 68.7%-9.5pp |
| Annual return | -3.30% | 4.95%-8.3pp | 791.24%-794.5pp | 2041.45%-2044.8pp |
| Employer contribution / active EE | $762 | $934-18.5% | $1,820-58.1% | $2,203-65.4% |
| Participant deferral / active EE | $3,513 | $2,057+70.8% | $2,822+24.5% | $3,192+10.1% |
| Admin fee / account holder | $1,037 | $3,268-68.3% | $4,499-77.0% | $4,297-75.9% |