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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 | $46,596 | $72,404-35.6% | $110,243-57.7% | $64,173-27.4% |
| Participation rate | 63.3% | 73.3%-10.0pp | 79.8%-16.5pp | 69.6%-6.2pp |
| Annual return | -8.75% | -6.29%-2.5pp | 314.76%-323.5pp | 7.63%-16.4pp |
| Employer contribution / active EE | $2,383 | $2,282+4.4% | $3,827-37.7% | $2,381+0.1% |
| Participant deferral / active EE | $3,905 | $3,469+12.6% | $4,672-16.4% | $3,470+12.6% |
| Admin fee / account holder | $609 | $5,664-89.3% | $8,548-92.9% | $4,887-87.5% |