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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 | $32,773 | $133,981-75.5% | $112,249-70.8% | $134,532-75.6% |
| Participation rate | 57.1% | 78.6%-21.4pp | 75.1%-17.9pp | 81.2%-24.1pp |
| Annual return | -23.17% | 47.16%-70.3pp | 27.48%-50.7pp | 418.27%-441.4pp |
| Employer contribution / active EE | $1,370 | $4,040-66.1% | $3,636-62.3% | $4,741-71.1% |
| Participant deferral / active EE | $3,478 | $5,292-34.3% | $4,729-26.5% | $6,401-45.7% |
| Admin fee / account holder | $2,601 | $7,492-65.3% | $6,412-59.4% | $11,429-77.2% |