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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 | $40,693 | $100,901-59.7% | $75,501-46.1% | $147,586-72.4% |
| Participation rate | 42.9% | 77.1%-34.3pp | 72.4%-29.5pp | 82.8%-40.0pp |
| Annual return | -30.49% | 35.78%-66.3pp | 27.35%-57.8pp | 578.59%-609.1pp |
| Employer contribution / active EE | $5,139 | $3,253+58.0% | $2,352+118.5% | $4,876+5.4% |
| Participant deferral / active EE | $5,252 | $4,027+30.4% | $3,142+67.2% | $5,439-3.4% |
| Admin fee / account holder | $328 | $11,285-97.1% | $5,801-94.4% | $10,886-97.0% |