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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 | $37,643 | $133,998-71.9% | $112,263-66.5% | $134,545-72.0% |
| Participation rate | 47.1% | 78.6%-31.5pp | 75.1%-28.0pp | 81.2%-34.2pp |
| Annual return | -21.04% | 47.17%-68.2pp | 27.49%-48.5pp | 418.37%-439.4pp |
| Employer contribution / active EE | $1,837 | $4,040-54.5% | $3,636-49.5% | $4,742-61.3% |
| Participant deferral / active EE | $4,136 | $5,292-21.8% | $4,729-12.5% | $6,401-35.4% |
| Admin fee / account holder | $3,411 | $7,493-54.5% | $6,410-46.8% | $11,431-70.2% |