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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 | $34,297 | $75,962-54.8% | $154,108-77.7% | $64,173-46.6% |
| Participation rate | 66.7% | 70.4%-3.7pp | 83.0%-16.4pp | 69.6%-2.9pp |
| Annual return | -8.41% | 30.32%-38.7pp | 735.21%-743.6pp | 7.63%-16.0pp |
| Employer contribution / active EE | $1,511 | $3,350-54.9% | $5,298-71.5% | $2,381-36.6% |
| Participant deferral / active EE | $2,621 | $3,175-17.4% | $5,081-48.4% | $3,470-24.4% |
| Admin fee / account holder | $3,244 | $5,589-42.0% | $13,411-75.8% | $4,887-33.6% |