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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 | $17,297 | $138,102-87.5% | $125,381-86.2% | $134,532-87.1% |
| Participation rate | 40.0% | 84.5%-44.5pp | 82.4%-42.4pp | 81.2%-41.2pp |
| Annual return | -21.48% | 750.73%-772.2pp | 572.31%-593.8pp | 418.27%-439.7pp |
| Employer contribution / active EE | $1,108 | $5,245-78.9% | $4,815-77.0% | $4,741-76.6% |
| Participant deferral / active EE | $3,062 | $7,801-60.7% | $7,448-58.9% | $6,401-52.2% |
| Admin fee / account holder | $569 | $11,568-95.1% | $10,007-94.3% | $11,429-95.0% |