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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 | $23,109 | $57,352-59.7% | $83,831-72.4% | $64,173-64.0% |
| Participation rate | 52.3% | 68.6%-16.3pp | 76.1%-23.9pp | 69.6%-17.3pp |
| Annual return | -8.99% | 11.38%-20.4pp | 850.99%-860.0pp | 7.63%-16.6pp |
| Employer contribution / active EE | $1,207 | $2,546-52.6% | $3,631-66.7% | $2,381-49.3% |
| Participant deferral / active EE | $2,401 | $2,993-19.8% | $4,082-41.2% | $3,470-30.8% |
| Admin fee / account holder | $323 | $4,046-92.0% | $5,479-94.1% | $4,887-93.4% |