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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 | $48,479 | $57,352-15.5% | $83,831-42.2% | $64,173-24.5% |
| Participation rate | 61.3% | 68.6%-7.3pp | 76.1%-14.9pp | 69.6%-8.3pp |
| Annual return | -8.67% | 11.38%-20.1pp | 850.99%-859.7pp | 7.63%-16.3pp |
| Employer contribution / active EE | $957 | $2,546-62.4% | $3,631-73.6% | $2,381-59.8% |
| Participant deferral / active EE | $2,477 | $2,993-17.2% | $4,082-39.3% | $3,470-28.6% |
| Admin fee / account holder | $2,395 | $4,046-40.8% | $5,479-56.3% | $4,887-51.0% |