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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 | $24,452 | $138,102-82.3% | $125,381-80.5% | $134,532-81.8% |
| Participation rate | 55.6% | 84.5%-28.9pp | 82.4%-26.8pp | 81.2%-25.7pp |
| Annual return | -21.00% | 750.73%-771.7pp | 572.31%-593.3pp | 418.27%-439.3pp |
| Employer contribution / active EE | $2,519 | $5,245-52.0% | $4,815-47.7% | $4,741-46.9% |
| Participant deferral / active EE | $3,405 | $7,801-56.3% | $7,448-54.3% | $6,401-46.8% |
| Admin fee / account holder | $3,349 | $11,568-71.1% | $10,007-66.5% | $11,429-70.7% |