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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 | $47,126 | $138,102-65.9% | $125,381-62.4% | $134,532-65.0% |
| Participation rate | 31.3% | 84.5%-53.2pp | 82.4%-51.1pp | 81.2%-50.0pp |
| Annual return | -26.02% | 750.73%-776.7pp | 572.31%-598.3pp | 418.27%-444.3pp |
| Employer contribution / active EE | $1,847 | $5,245-64.8% | $4,815-61.6% | $4,741-61.0% |
| Participant deferral / active EE | $4,775 | $7,801-38.8% | $7,448-35.9% | $6,401-25.4% |
| Admin fee / account holder | $5,606 | $11,568-51.5% | $10,007-44.0% | $11,429-50.9% |