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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 | $24,821 | $57,352-56.7% | $83,830-70.4% | $64,173-61.3% |
| Participation rate | 39.7% | 68.6%-28.9pp | 76.1%-36.5pp | 69.6%-29.9pp |
| Annual return | -10.99% | 11.38%-22.4pp | 850.97%-862.0pp | 7.63%-18.6pp |
| Employer contribution / active EE | $1,197 | $2,546-53.0% | $3,631-67.0% | $2,381-49.7% |
| Participant deferral / active EE | $1,224 | $2,993-59.1% | $4,082-70.0% | $3,470-64.7% |
| Admin fee / account holder | $606 | $4,046-85.0% | $5,479-88.9% | $4,887-87.6% |