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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 | $31,810 | $49,177-35.3% | $79,467-60.0% | $64,173-50.4% |
| Participation rate | 62.3% | 65.0%-2.7pp | 73.3%-11.1pp | 69.6%-7.3pp |
| Annual return | -8.34% | -1.16%-7.2pp | 718.30%-726.6pp | 7.63%-16.0pp |
| Employer contribution / active EE | $1,858 | $2,076-10.5% | $2,800-33.7% | $2,381-22.0% |
| Participant deferral / active EE | $4,048 | $2,821+43.5% | $3,704+9.3% | $3,470+16.7% |
| Admin fee / account holder | $3,585 | $3,839-6.6% | $5,104-29.8% | $4,887-26.6% |