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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 | $27,217 | $82,674-67.1% | $125,381-78.3% | $68,486-60.3% |
| Participation rate | 65.0% | 75.1%-10.1pp | 82.4%-17.4pp | 67.9%-2.9pp |
| Annual return | -21.15% | -5.97%-15.2pp | 572.31%-593.5pp | -7.85%-13.3pp |
| Employer contribution / active EE | $2,021 | $3,382-40.3% | $4,815-58.0% | $2,597-22.2% |
| Participant deferral / active EE | $5,156 | $6,111-15.6% | $7,448-30.8% | $4,028+28.0% |
| Admin fee / account holder | $2,056 | $6,277-67.2% | $10,007-79.5% | $5,404-61.9% |