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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 | $42,045 | $167,362-74.9% | $143,799-70.8% | $134,532-68.7% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -27.14% | 0.47%-27.6pp | -0.04%-27.1pp | 418.27%-445.4pp |
| Employer contribution / active EE | $2,511 | $5,620-55.3% | $4,952-49.3% | $4,741-47.0% |
| Participant deferral / active EE | $15,167 | $6,447+135.2% | $5,638+169.0% | $6,401+136.9% |
| Admin fee / account holder | $944 | $18,094-94.8% | $14,677-93.6% | $11,429-91.7% |