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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 | $39,866 | $83,908-52.5% | $68,509-41.8% | $125,393-68.2% |
| Participation rate | 64.3% | 78.2%-13.9pp | 74.7%-10.4pp | 83.2%-18.9pp |
| Annual return | -4.21% | 14.48%-18.7pp | 8.27%-12.5pp | 282.23%-286.4pp |
| Employer contribution / active EE | $958 | $3,031-68.4% | $2,278-58.0% | $4,866-80.3% |
| Participant deferral / active EE | $1,362 | $4,125-67.0% | $3,382-59.7% | $5,351-74.6% |
| Admin fee / account holder | $12,032 | $8,982+34.0% | $5,275+128.1% | $9,541+26.1% |