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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 | $32,514 | $82,674-60.7% | $125,381-74.1% | $68,486-52.5% |
| Participation rate | 61.9% | 75.1%-13.1pp | 82.4%-20.5pp | 67.9%-6.0pp |
| Annual return | -19.64% | -5.97%-13.7pp | 572.31%-592.0pp | -7.85%-11.8pp |
| Employer contribution / active EE | $2,635 | $3,382-22.1% | $4,815-45.3% | $2,597+1.5% |
| Participant deferral / active EE | $4,256 | $6,111-30.4% | $7,448-42.9% | $4,028+5.7% |
| Admin fee / account holder | $2,535 | $6,277-59.6% | $10,007-74.7% | $5,404-53.1% |