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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 | $31,821 | $133,998-76.3% | $112,263-71.7% | $134,545-76.3% |
| Participation rate | 30.4% | 78.6%-48.1pp | 75.1%-44.6pp | 81.2%-50.8pp |
| Annual return | -24.11% | 47.17%-71.3pp | 27.49%-51.6pp | 418.37%-442.5pp |
| Employer contribution / active EE | $969 | $4,040-76.0% | $3,636-73.4% | $4,742-79.6% |
| Participant deferral / active EE | $2,734 | $5,292-48.3% | $4,729-42.2% | $6,401-57.3% |
| Admin fee / account holder | $443 | $7,493-94.1% | $6,410-93.1% | $11,431-96.1% |