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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 | $50,400 | $133,981-62.4% | $112,249-55.1% | $134,532-62.5% |
| Participation rate | 43.5% | 78.6%-35.1pp | 75.1%-31.6pp | 81.2%-37.8pp |
| Annual return | -22.26% | 47.16%-69.4pp | 27.48%-49.7pp | 418.27%-440.5pp |
| Employer contribution / active EE | $1,697 | $4,040-58.0% | $3,636-53.3% | $4,741-64.2% |
| Participant deferral / active EE | $3,624 | $5,292-31.5% | $4,729-23.4% | $6,401-43.4% |
| Admin fee / account holder | $821 | $7,492-89.0% | $6,412-87.2% | $11,429-92.8% |