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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 | $46,622 | $82,678-43.6% | $125,391-62.8% | $68,490-31.9% |
| Participation rate | 45.5% | 75.1%-29.6pp | 82.4%-36.9pp | 67.9%-22.4pp |
| Annual return | -19.50% | -5.97%-13.5pp | 572.41%-591.9pp | -7.85%-11.6pp |
| Employer contribution / active EE | $2,029 | $3,382-40.0% | $4,816-57.9% | $2,597-21.9% |
| Participant deferral / active EE | $3,421 | $6,111-44.0% | $7,448-54.1% | $4,028-15.1% |
| Admin fee / account holder | $1,848 | $6,277-70.6% | $10,009-81.5% | $5,403-65.8% |