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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 | $27,153 | $57,352-52.7% | $83,831-67.6% | $64,173-57.7% |
| Participation rate | 66.7% | 68.6%-1.9pp | 76.1%-9.5pp | 69.6%-2.9pp |
| Annual return | -15.60% | 11.38%-27.0pp | 850.99%-866.6pp | 7.63%-23.2pp |
| Employer contribution / active EE | $1,284 | $2,546-49.5% | $3,631-64.6% | $2,381-46.1% |
| Participant deferral / active EE | $1,555 | $2,993-48.1% | $4,082-61.9% | $3,470-55.2% |
| Admin fee / account holder | $2,172 | $4,046-46.3% | $5,479-60.4% | $4,887-55.6% |