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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 | $48,797 | $82,674-41.0% | $125,363-61.1% | $68,495-28.8% |
| Participation rate | 42.4% | 75.0%-32.6pp | 82.4%-40.0pp | 67.9%-25.5pp |
| Annual return | -20.26% | -5.97%-14.3pp | 572.15%-592.4pp | -7.84%-12.4pp |
| Employer contribution / active EE | $1,249 | $3,382-63.1% | $4,815-74.1% | $2,596-51.9% |
| Participant deferral / active EE | $2,685 | $6,111-56.1% | $7,447-63.9% | $4,028-33.3% |
| Admin fee / account holder | $3,407 | $6,276-45.7% | $10,005-65.9% | $5,403-36.9% |