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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 | $28,366 | $93,098-69.5% | $77,081-63.2% | $134,509-78.9% |
| Participation rate | 63.6% | 74.5%-10.9pp | 67.9%-4.3pp | 81.2%-17.6pp |
| Annual return | -22.96% | 62.63%-85.6pp | 42.33%-65.3pp | 418.13%-441.1pp |
| Employer contribution / active EE | $1,157 | $3,419-66.2% | $2,813-58.9% | $4,741-75.6% |
| Participant deferral / active EE | $2,574 | $5,239-50.9% | $4,428-41.9% | $6,400-59.8% |
| Admin fee / account holder | $1,743 | $6,945-74.9% | $5,427-67.9% | $11,427-84.7% |