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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 | $22,610 | $167,323-86.5% | $143,770-84.3% | $134,493-83.2% |
| Participation rate | 57.1% | 84.8%-27.7pp | 80.3%-23.2pp | 81.2%-24.1pp |
| Annual return | -34.42% | 0.47%-34.9pp | -0.04%-34.4pp | 418.01%-452.4pp |
| Employer contribution / active EE | $8,274 | $5,619+47.2% | $4,951+67.1% | $4,740+74.6% |
| Participant deferral / active EE | $4,964 | $6,446-23.0% | $5,638-11.9% | $6,400-22.4% |
| Admin fee / account holder | $529 | $18,088-97.1% | $14,673-96.4% | $11,425-95.4% |