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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 | $10,086 | $69,248-85.4% | $64,101-84.3% | $139,466-92.8% |
| Participation rate | 66.7% | 75.6%-8.9pp | 72.3%-5.6pp | 80.3%-13.7pp |
| Annual return | -35.58% | 45.95%-81.5pp | 33.72%-69.3pp | 373.66%-409.2pp |
| Employer contribution / active EE | $1,558 | $3,185-51.1% | $2,749-43.3% | $4,754-67.2% |
| Participant deferral / active EE | $5,845 | $4,682+24.8% | $3,881+50.6% | $6,712-12.9% |
| Admin fee / account holder | $2,575 | $4,247-39.4% | $3,070-16.1% | $11,409-77.4% |