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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 | $44,188 | $57,352-23.0% | $83,831-47.3% | $64,173-31.1% |
| Participation rate | 22.2% | 68.6%-46.4pp | 76.1%-53.9pp | 69.6%-47.3pp |
| Annual return | -10.71% | 11.38%-22.1pp | 850.99%-861.7pp | 7.63%-18.3pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,458 | $2,993-51.3% | $4,082-64.3% | $3,470-58.0% |
| Admin fee / account holder | $2,106 | $4,046-47.9% | $5,479-61.6% | $4,887-56.9% |