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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 | $24,267 | $190,916-87.3% | $160,037-84.8% | $134,545-82.0% |
| Participation rate | 57.1% | 82.0%-24.8pp | 78.0%-20.8pp | 81.2%-24.1pp |
| Annual return | -24.06% | 552.79%-576.8pp | 408.95%-433.0pp | 418.37%-442.4pp |
| Employer contribution / active EE | $18,086 | $4,996+262.0% | $4,226+328.0% | $4,742+281.4% |
| Participant deferral / active EE | $3,851 | $6,925-44.4% | $6,184-37.7% | $6,401-39.8% |
| Admin fee / account holder | $5,799 | $10,497-44.8% | $8,716-33.5% | $11,431-49.3% |