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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 | $39,859 | $95,979-58.5% | $74,551-46.5% | $135,380-70.6% |
| Participation rate | 59.1% | 75.7%-16.6pp | 69.1%-10.1pp | 82.6%-23.6pp |
| Annual return | -10.54% | 56.97%-67.5pp | 32.53%-43.1pp | 519.81%-530.3pp |
| Employer contribution / active EE | $967 | $2,716-64.4% | $1,961-50.7% | $4,779-79.8% |
| Participant deferral / active EE | $1,373 | $3,844-64.3% | $3,108-55.8% | $5,609-75.5% |
| Admin fee / account holder | $1,026 | $6,522-84.3% | $5,059-79.7% | $10,828-90.5% |