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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 | $45,365 | $57,352-20.9% | $83,830-45.9% | $64,173-29.3% |
| Participation rate | 46.8% | 68.6%-21.8pp | 76.1%-29.3pp | 69.6%-22.7pp |
| Annual return | -9.97% | 11.38%-21.4pp | 850.97%-860.9pp | 7.63%-17.6pp |
| Employer contribution / active EE | $1,700 | $2,546-33.2% | $3,631-53.2% | $2,381-28.6% |
| Participant deferral / active EE | $3,190 | $2,993+6.6% | $4,082-21.8% | $3,470-8.0% |
| Admin fee / account holder | $1,467 | $4,046-63.7% | $5,479-73.2% | $4,887-70.0% |