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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 | $20,154 | $95,975-79.0% | $74,549-73.0% | $135,379-85.1% |
| Participation rate | 60.0% | 75.7%-15.7pp | 69.1%-9.1pp | 82.6%-22.6pp |
| Annual return | -10.46% | 56.96%-67.4pp | 32.53%-43.0pp | 519.79%-530.2pp |
| Employer contribution / active EE | $1,768 | $2,716-34.9% | $1,961-9.8% | $4,779-63.0% |
| Participant deferral / active EE | $3,355 | $3,844-12.7% | $3,108+7.9% | $5,609-40.2% |
| Admin fee / account holder | $3,218 | $6,522-50.7% | $5,059-36.4% | $10,828-70.3% |