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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 | $51,406 | $46,697+10.1% | $117,533-56.3% | $68,486-24.9% |
| Participation rate | 23.3% | 56.8%-33.5pp | 70.6%-47.3pp | 67.9%-44.6pp |
| Annual return | -28.67% | -14.52%-14.2pp | 29.77%-58.4pp | -7.85%-20.8pp |
| Employer contribution / active EE | $625 | $1,506-58.5% | $4,179-85.0% | $2,597-75.9% |
| Participant deferral / active EE | $1,628 | $2,637-38.3% | $4,072-60.0% | $4,028-59.6% |
| Admin fee / account holder | $7,802 | $4,023+94.0% | $5,647+38.2% | $5,404+44.4% |