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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 | $20,651 | $82,678-75.0% | $125,391-83.5% | $68,490-69.8% |
| Participation rate | 63.2% | 75.1%-11.9pp | 82.4%-19.2pp | 67.9%-4.7pp |
| Annual return | -21.79% | -5.97%-15.8pp | 572.41%-594.2pp | -7.85%-13.9pp |
| Employer contribution / active EE | $879 | $3,382-74.0% | $4,816-81.7% | $2,597-66.1% |
| Participant deferral / active EE | $3,183 | $6,111-47.9% | $7,448-57.3% | $4,028-21.0% |
| Admin fee / account holder | $1,622 | $6,277-74.2% | $10,009-83.8% | $5,403-70.0% |