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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 | $30,720 | $135,645-77.4% | $110,243-72.1% | $135,380-77.3% |
| Participation rate | 55.0% | 83.5%-28.5pp | 79.8%-24.8pp | 82.6%-27.6pp |
| Annual return | -10.18% | 513.24%-523.4pp | 314.76%-324.9pp | 519.81%-530.0pp |
| Employer contribution / active EE | $971 | $4,907-80.2% | $3,827-74.6% | $4,779-79.7% |
| Participant deferral / active EE | $2,181 | $5,507-60.4% | $4,672-53.3% | $5,609-61.1% |
| Admin fee / account holder | $458 | $11,458-96.0% | $8,548-94.6% | $10,828-95.8% |