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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 | $44,066 | $100,792-56.3% | $86,691-49.2% | $134,509-67.2% |
| Participation rate | 41.7% | 78.9%-37.3pp | 76.6%-34.9pp | 81.2%-39.6pp |
| Annual return | -25.10% | 29.08%-54.2pp | 35.94%-61.0pp | 418.13%-443.2pp |
| Employer contribution / active EE | $1,245 | $3,491-64.3% | $2,837-56.1% | $4,741-73.7% |
| Participant deferral / active EE | $2,037 | $5,339-61.8% | $4,656-56.2% | $6,400-68.2% |
| Admin fee / account holder | $1,285 | $10,924-88.2% | $7,492-82.8% | $11,427-88.8% |