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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 | $49,449 | $100,811-50.9% | $86,698-43.0% | $134,545-63.2% |
| Participation rate | 29.2% | 79.0%-49.8pp | 76.6%-47.4pp | 81.2%-52.1pp |
| Annual return | -31.93% | 29.11%-61.0pp | 35.96%-67.9pp | 418.37%-450.3pp |
| Employer contribution / active EE | $1,861 | $3,490-46.7% | $2,837-34.4% | $4,742-60.8% |
| Participant deferral / active EE | $4,361 | $5,339-18.3% | $4,656-6.3% | $6,401-31.9% |
| Admin fee / account holder | $667 | $10,926-93.9% | $7,492-91.1% | $11,431-94.2% |