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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 | $34,221 | $167,362-79.6% | $143,799-76.2% | $134,532-74.6% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -27.07% | 0.47%-27.5pp | -0.04%-27.0pp | 418.27%-445.3pp |
| Employer contribution / active EE | $1,586 | $5,620-71.8% | $4,952-68.0% | $4,741-66.6% |
| Participant deferral / active EE | $3,928 | $6,447-39.1% | $5,638-30.3% | $6,401-38.6% |
| Admin fee / account holder | $3,202 | $18,094-82.3% | $14,677-78.2% | $11,429-72.0% |