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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 | $33,559 | $190,916-82.4% | $160,037-79.0% | $134,545-75.1% |
| Participation rate | 18.2% | 82.0%-63.8pp | 78.0%-59.8pp | 81.2%-63.1pp |
| Annual return | -22.72% | 552.79%-575.5pp | 408.95%-431.7pp | 418.37%-441.1pp |
| Employer contribution / active EE | $2,399 | $4,996-52.0% | $4,226-43.2% | $4,742-49.4% |
| Participant deferral / active EE | $3,011 | $6,925-56.5% | $6,184-51.3% | $6,401-53.0% |
| Admin fee / account holder | $670 | $10,497-93.6% | $8,716-92.3% | $11,431-94.1% |