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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 | $54,393 | $95,975-43.3% | $74,549-27.0% | $135,379-59.8% |
| Participation rate | 50.0% | 75.7%-25.7pp | 69.1%-19.1pp | 82.6%-32.6pp |
| Annual return | -15.78% | 56.96%-72.7pp | 32.53%-48.3pp | 519.79%-535.6pp |
| Employer contribution / active EE | $3,424 | $2,716+26.1% | $1,961+74.6% | $4,779-28.4% |
| Participant deferral / active EE | $13,250 | $3,844+244.7% | $3,108+326.3% | $5,609+136.2% |
| Admin fee / account holder | $603 | $6,522-90.8% | $5,059-88.1% | $10,828-94.4% |