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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 | $14,817 | $75,962-80.5% | $154,108-90.4% | $64,173-76.9% |
| Participation rate | 64.3% | 70.4%-6.1pp | 83.0%-18.8pp | 69.6%-5.3pp |
| Annual return | -10.09% | 30.32%-40.4pp | 735.21%-745.3pp | 7.63%-17.7pp |
| Employer contribution / active EE | $1,140 | $3,350-66.0% | $5,298-78.5% | $2,381-52.1% |
| Participant deferral / active EE | $1,737 | $3,175-45.3% | $5,081-65.8% | $3,470-49.9% |
| Admin fee / account holder | $1,397 | $5,589-75.0% | $13,411-89.6% | $4,887-71.4% |