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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 | $40,637 | $135,645-70.0% | $110,243-63.1% | $135,379-70.0% |
| Participation rate | 66.7% | 83.5%-16.8pp | 79.8%-13.2pp | 82.6%-16.0pp |
| Annual return | -10.80% | 513.24%-524.0pp | 314.76%-325.6pp | 519.79%-530.6pp |
| Employer contribution / active EE | $964 | $4,907-80.3% | $3,827-74.8% | $4,779-79.8% |
| Participant deferral / active EE | $6,845 | $5,507+24.3% | $4,672+46.5% | $5,609+22.0% |
| Admin fee / account holder | $731 | $11,458-93.6% | $8,548-91.5% | $10,828-93.3% |