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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 | $30,025 | $133,998-77.6% | $112,263-73.3% | $134,545-77.7% |
| Participation rate | 60.0% | 78.6%-18.6pp | 75.1%-15.1pp | 81.2%-21.2pp |
| Annual return | -20.57% | 47.17%-67.7pp | 27.49%-48.1pp | 418.37%-438.9pp |
| Employer contribution / active EE | $1,428 | $4,040-64.7% | $3,636-60.7% | $4,742-69.9% |
| Participant deferral / active EE | $2,570 | $5,292-51.4% | $4,729-45.7% | $6,401-59.9% |
| Admin fee / account holder | $60,778 | $7,493+711.1% | $6,410+848.1% | $11,431+431.7% |