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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 | $25,138 | $142,409-82.3% | $119,634-79.0% | $134,545-81.3% |
| Participation rate | 69.2% | 82.8%-13.6pp | 79.3%-10.0pp | 81.2%-12.0pp |
| Annual return | -21.15% | -12.46%-8.7pp | -14.98%-6.2pp | 418.37%-439.5pp |
| Employer contribution / active EE | $1,678 | $5,224-67.9% | $4,232-60.3% | $4,742-64.6% |
| Participant deferral / active EE | $4,813 | $6,468-25.6% | $5,601-14.1% | $6,401-24.8% |
| Admin fee / account holder | $1,840 | $13,594-86.5% | $10,329-82.2% | $11,431-83.9% |