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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 | $9,574 | $82,314-88.4% | $68,808-86.1% | $134,532-92.9% |
| Participation rate | 40.0% | 75.1%-35.1pp | 69.0%-29.0pp | 81.2%-41.2pp |
| Annual return | -24.68% | -2.18%-22.5pp | -6.37%-18.3pp | 418.27%-442.9pp |
| Employer contribution / active EE | $1,562 | $3,301-52.7% | $2,656-41.2% | $4,741-67.1% |
| Participant deferral / active EE | $2,612 | $4,740-44.9% | $3,942-33.7% | $6,401-59.2% |
| Admin fee / account holder | $5,692 | $6,484-12.2% | $4,936+15.3% | $11,429-50.2% |