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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 | $41,599 | $82,678-49.7% | $125,391-66.8% | $68,490-39.3% |
| Participation rate | 64.3% | 75.1%-10.8pp | 82.4%-18.1pp | 67.9%-3.6pp |
| Annual return | -20.37% | -5.97%-14.4pp | 572.41%-592.8pp | -7.85%-12.5pp |
| Employer contribution / active EE | $2,249 | $3,382-33.5% | $4,816-53.3% | $2,597-13.4% |
| Participant deferral / active EE | $3,623 | $6,111-40.7% | $7,448-51.4% | $4,028-10.1% |
| Admin fee / account holder | $7,509 | $6,277+19.6% | $10,009-25.0% | $5,403+39.0% |