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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 | $28,019 | $109,372-74.4% | $89,414-68.7% | $158,966-82.4% |
| Participation rate | 66.7% | 74.3%-7.6pp | 68.0%-1.3pp | 82.0%-15.3pp |
| Annual return | -0.45% | 345.55%-346.0pp | 245.50%-245.9pp | 302.95%-303.4pp |
| Employer contribution / active EE | $1,785 | $3,171-43.7% | $2,586-31.0% | $4,762-62.5% |
| Participant deferral / active EE | $3,163 | $4,598-31.2% | $3,890-18.7% | $5,983-47.1% |
| Admin fee / account holder | $2,807 | $6,156-54.4% | $4,883-42.5% | $11,250-75.0% |