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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 | $33,193 | $82,678-59.9% | $125,391-73.5% | $68,490-51.5% |
| Participation rate | 57.7% | 75.1%-17.4pp | 82.4%-24.7pp | 67.9%-10.2pp |
| Annual return | -21.66% | -5.97%-15.7pp | 572.41%-594.1pp | -7.85%-13.8pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,590 | $6,111-8.5% | $7,448-25.0% | $4,028+38.8% |
| Admin fee / account holder | $4,382 | $6,277-30.2% | $10,009-56.2% | $5,403-18.9% |