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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 | $37,180 | $97,732-62.0% | $83,831-55.6% | $135,380-72.5% |
| Participation rate | 40.0% | 80.0%-40.0pp | 76.1%-36.1pp | 82.6%-42.6pp |
| Annual return | -13.55% | 1287.56%-1301.1pp | 850.99%-864.5pp | 519.81%-533.4pp |
| Employer contribution / active EE | $1,781 | $4,222-57.8% | $3,631-51.0% | $4,779-62.7% |
| Participant deferral / active EE | $6,760 | $4,683+44.4% | $4,082+65.6% | $5,609+20.5% |
| Admin fee / account holder | $558 | $6,675-91.6% | $5,479-89.8% | $10,828-94.9% |