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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 | $18,215 | $133,998-86.4% | $112,263-83.8% | $134,545-86.5% |
| Participation rate | 55.6% | 78.6%-23.0pp | 75.1%-19.5pp | 81.2%-25.7pp |
| Annual return | -23.27% | 47.17%-70.4pp | 27.49%-50.8pp | 418.37%-441.6pp |
| Employer contribution / active EE | $1,493 | $4,040-63.1% | $3,636-58.9% | $4,742-68.5% |
| Participant deferral / active EE | $4,610 | $5,292-12.9% | $4,729-2.5% | $6,401-28.0% |
| Admin fee / account holder | $809 | $7,493-89.2% | $6,410-87.4% | $11,431-92.9% |