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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 | $72,595 | $59,105+22.8% | $160,009-54.6% | $66,938+8.4% |
| Participation rate | 56.4% | 68.1%-11.7pp | 78.0%-21.6pp | 69.8%-13.5pp |
| Annual return | -18.69% | -12.26%-6.4pp | 408.85%-427.5pp | 1.58%-20.3pp |
| Employer contribution / active EE | $1,537 | $1,983-22.5% | $4,225-63.6% | $2,545-39.6% |
| Participant deferral / active EE | $2,083 | $4,395-52.6% | $6,183-66.3% | $4,238-50.9% |
| Admin fee / account holder | $1,149 | $591+94.5% | $8,715-86.8% | $594+93.6% |