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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 | $26,998 | $49,177-45.1% | $79,466-66.0% | $64,173-57.9% |
| Participation rate | 63.3% | 65.0%-1.7pp | 73.3%-10.0pp | 69.6%-6.2pp |
| Annual return | -8.40% | -1.16%-7.2pp | 718.28%-726.7pp | 7.63%-16.0pp |
| Employer contribution / active EE | $2,223 | $2,076+7.1% | $2,800-20.6% | $2,381-6.6% |
| Participant deferral / active EE | $4,219 | $2,821+49.5% | $3,704+13.9% | $3,470+21.6% |
| Admin fee / account holder | $1,489 | $3,839-61.2% | $5,104-70.8% | $4,887-69.5% |