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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 | $34,466 | $100,811-65.8% | $86,698-60.2% | $134,545-74.4% |
| Participation rate | 66.7% | 79.0%-12.3pp | 76.6%-9.9pp | 81.2%-14.6pp |
| Annual return | -20.30% | 29.11%-49.4pp | 35.96%-56.3pp | 418.37%-438.7pp |
| Employer contribution / active EE | $1,244 | $3,490-64.4% | $2,837-56.2% | $4,742-73.8% |
| Participant deferral / active EE | $1,897 | $5,339-64.5% | $4,656-59.3% | $6,401-70.4% |
| Admin fee / account holder | $339 | $10,926-96.9% | $7,492-95.5% | $11,431-97.0% |