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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 | $29,869 | $47,977-37.7% | $154,111-80.6% | $56,287-46.9% |
| Participation rate | 53.8% | 66.2%-12.4pp | 83.0%-29.3pp | 69.9%-16.1pp |
| Annual return | -8.30% | 3.54%-11.8pp | 735.18%-743.5pp | -9.96%+1.7pp |
| Employer contribution / active EE | $1,253 | $2,169-42.2% | $5,298-76.4% | $2,111-40.7% |
| Participant deferral / active EE | $1,962 | $2,392-18.0% | $5,081-61.4% | $3,350-41.4% |
| Admin fee / account holder | $354 | $438-19.3% | $13,411-97.4% | $521-32.1% |