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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 | $39,981 | $82,674-51.6% | $125,381-68.1% | $68,486-41.6% |
| Participation rate | 38.2% | 75.1%-36.8pp | 82.4%-44.1pp | 67.9%-29.7pp |
| Annual return | -23.21% | -5.97%-17.2pp | 572.31%-595.5pp | -7.85%-15.4pp |
| Employer contribution / active EE | $2,764 | $3,382-18.3% | $4,815-42.6% | $2,597+6.5% |
| Participant deferral / active EE | $6,884 | $6,111+12.6% | $7,448-7.6% | $4,028+70.9% |
| Admin fee / account holder | $6,709 | $6,277+6.9% | $10,007-33.0% | $5,404+24.2% |