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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 | $53,450 | $57,352-6.8% | $83,830-36.2% | $64,173-16.7% |
| Participation rate | 52.6% | 68.6%-16.0pp | 76.1%-23.5pp | 69.6%-16.9pp |
| Annual return | -9.70% | 11.38%-21.1pp | 850.97%-860.7pp | 7.63%-17.3pp |
| Employer contribution / active EE | $1,227 | $2,546-51.8% | $3,631-66.2% | $2,381-48.5% |
| Participant deferral / active EE | $2,567 | $2,993-14.2% | $4,082-37.1% | $3,470-26.0% |
| Admin fee / account holder | $670 | $4,046-83.5% | $5,479-87.8% | $4,887-86.3% |