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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 | $64,494 | $54,355+18.7% | $82,744-22.1% | $68,486-5.8% |
| Participation rate | 34.3% | 63.9%-29.6pp | 72.6%-38.3pp | 67.9%-33.6pp |
| Annual return | -21.00% | -13.67%-7.3pp | 702.22%-723.2pp | -7.85%-13.1pp |
| Employer contribution / active EE | $517 | $2,219-76.7% | $3,008-82.8% | $2,597-80.1% |
| Participant deferral / active EE | $1,905 | $3,246-41.3% | $4,395-56.6% | $4,028-52.7% |
| Admin fee / account holder | $3,810 | $4,397-13.3% | $5,325-28.4% | $5,404-29.5% |