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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 | $32,789 | $54,355-39.7% | $82,744-60.4% | $68,486-52.1% |
| Participation rate | 36.4% | 63.9%-27.6pp | 72.6%-36.2pp | 67.9%-31.5pp |
| Annual return | -22.84% | -13.67%-9.2pp | 702.22%-725.1pp | -7.85%-15.0pp |
| Employer contribution / active EE | $936 | $2,219-57.8% | $3,008-68.9% | $2,597-64.0% |
| Participant deferral / active EE | $1,813 | $3,246-44.1% | $4,395-58.7% | $4,028-55.0% |
| Admin fee / account holder | $4,726 | $4,397+7.5% | $5,325-11.2% | $5,404-12.5% |