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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 | $20,520 | $75,962-73.0% | $154,111-86.7% | $64,173-68.0% |
| Participation rate | 64.5% | 70.4%-5.9pp | 83.0%-18.5pp | 69.6%-5.1pp |
| Annual return | -10.34% | 30.32%-40.7pp | 735.18%-745.5pp | 7.63%-18.0pp |
| Employer contribution / active EE | $740 | $3,350-77.9% | $5,298-86.0% | $2,381-68.9% |
| Participant deferral / active EE | $2,979 | $3,175-6.2% | $5,081-41.4% | $3,470-14.1% |
| Admin fee / account holder | $813 | $5,589-85.4% | $13,411-93.9% | $4,887-83.4% |