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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 | $29,628 | $133,998-77.9% | $112,263-73.6% | $134,545-78.0% |
| Participation rate | 69.2% | 78.6%-9.3pp | 75.1%-5.8pp | 81.2%-12.0pp |
| Annual return | -20.59% | 47.17%-67.8pp | 27.49%-48.1pp | 418.37%-439.0pp |
| Employer contribution / active EE | $1,146 | $4,040-71.6% | $3,636-68.5% | $4,742-75.8% |
| Participant deferral / active EE | $2,011 | $5,292-62.0% | $4,729-57.5% | $6,401-68.6% |
| Admin fee / account holder | $331 | $7,493-95.6% | $6,410-94.8% | $11,431-97.1% |