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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 | $45,131 | $57,352-21.3% | $83,831-46.2% | $64,173-29.7% |
| Participation rate | 40.6% | 68.6%-28.0pp | 76.1%-35.5pp | 69.6%-28.9pp |
| Annual return | -15.82% | 11.38%-27.2pp | 850.99%-866.8pp | 7.63%-23.5pp |
| Employer contribution / active EE | $603 | $2,546-76.3% | $3,631-83.4% | $2,381-74.7% |
| Participant deferral / active EE | $1,914 | $2,993-36.1% | $4,082-53.1% | $3,470-44.8% |
| Admin fee / account holder | $2,794 | $4,046-30.9% | $5,479-49.0% | $4,887-42.8% |