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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 | $21,666 | $133,998-83.8% | $112,263-80.7% | $134,545-83.9% |
| Participation rate | 57.1% | 78.6%-21.4pp | 75.1%-17.9pp | 81.2%-24.1pp |
| Annual return | -22.87% | 47.17%-70.0pp | 27.49%-50.4pp | 418.37%-441.2pp |
| Employer contribution / active EE | $1,908 | $4,040-52.8% | $3,636-47.5% | $4,742-59.8% |
| Participant deferral / active EE | $5,179 | $5,292-2.1% | $4,729+9.5% | $6,401-19.1% |
| Admin fee / account holder | $342 | $7,493-95.4% | $6,410-94.7% | $11,431-97.0% |