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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 | $56,260 | $69,012-18.5% | $160,037-64.8% | $68,490-17.9% |
| Participation rate | 40.5% | 65.4%-24.9pp | 78.0%-37.4pp | 67.9%-27.4pp |
| Annual return | -19.42% | -9.65%-9.8pp | 408.95%-428.4pp | -7.85%-11.6pp |
| Employer contribution / active EE | $2,593 | $2,212+17.2% | $4,226-38.6% | $2,597-0.2% |
| Participant deferral / active EE | $4,572 | $4,212+8.6% | $6,184-26.1% | $4,028+13.5% |
| Admin fee / account holder | $624 | $4,798-87.0% | $8,716-92.8% | $5,403-88.5% |