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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 | $39,326 | $69,012-43.0% | $160,009-75.4% | $68,486-42.6% |
| Participation rate | 22.2% | 65.4%-43.2pp | 78.0%-55.8pp | 67.9%-45.7pp |
| Annual return | -19.41% | -9.65%-9.8pp | 408.85%-428.3pp | -7.85%-11.6pp |
| Employer contribution / active EE | $640 | $2,212-71.1% | $4,225-84.8% | $2,597-75.3% |
| Participant deferral / active EE | $1,583 | $4,212-62.4% | $6,183-74.4% | $4,028-60.7% |
| Admin fee / account holder | $1,571 | $4,798-67.3% | $8,715-82.0% | $5,404-70.9% |