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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 | $20,841 | $95,915-78.3% | $79,580-73.8% | $134,532-84.5% |
| Participation rate | 50.0% | 75.0%-25.0pp | 69.5%-19.5pp | 81.2%-31.2pp |
| Annual return | -23.70% | -2.71%-21.0pp | 0.15%-23.9pp | 418.27%-442.0pp |
| Employer contribution / active EE | $2,147 | $3,129-31.4% | $2,413-11.1% | $4,741-54.7% |
| Participant deferral / active EE | $2,624 | $4,693-44.1% | $3,985-34.2% | $6,401-59.0% |
| Admin fee / account holder | $523 | $9,132-94.3% | $6,835-92.3% | $11,429-95.4% |