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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 | $35,829 | $129,959-72.4% | $104,301-65.6% | $134,532-73.4% |
| Participation rate | 50.0% | 79.5%-29.5pp | 73.3%-23.3pp | 81.2%-31.2pp |
| Annual return | -21.17% | 42.04%-63.2pp | 24.61%-45.8pp | 418.27%-439.4pp |
| Employer contribution / active EE | $959 | $4,185-77.1% | $3,373-71.6% | $4,741-79.8% |
| Participant deferral / active EE | $6,699 | $5,589+19.9% | $4,626+44.8% | $6,401+4.7% |
| Admin fee / account holder | $332 | $9,325-96.4% | $7,340-95.5% | $11,429-97.1% |