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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 | $48,641 | $95,915-49.3% | $79,580-38.9% | $134,532-63.8% |
| Participation rate | 57.1% | 75.0%-17.9pp | 69.5%-12.3pp | 81.2%-24.1pp |
| Annual return | -21.98% | -2.71%-19.3pp | 0.15%-22.1pp | 418.27%-440.2pp |
| Employer contribution / active EE | $1,338 | $3,129-57.2% | $2,413-44.6% | $4,741-71.8% |
| Participant deferral / active EE | $3,750 | $4,693-20.1% | $3,985-5.9% | $6,401-41.4% |
| Admin fee / account holder | $834 | $9,132-90.9% | $6,835-87.8% | $11,429-92.7% |