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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 | $16,308 | $107,363-84.8% | $92,909-82.4% | $152,897-89.3% |
| Participation rate | 60.0% | 79.8%-19.8pp | 76.0%-16.0pp | 82.5%-22.5pp |
| Annual return | -13.64% | 145.63%-159.3pp | 109.44%-123.1pp | 345.43%-359.1pp |
| Employer contribution / active EE | $2,054 | $4,222-51.3% | $3,653-43.8% | $4,764-56.9% |
| Participant deferral / active EE | $4,890 | $4,848+0.9% | $4,238+15.4% | $5,851-16.4% |
| Admin fee / account holder | $2,472 | $7,082-65.1% | $5,795-57.3% | $11,599-78.7% |