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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 | $32,109 | $105,929-69.7% | $81,926-60.8% | $158,950-79.8% |
| Participation rate | 66.7% | 75.6%-8.9pp | 72.0%-5.3pp | 82.0%-15.3pp |
| Annual return | -0.06% | 38.19%-38.2pp | 29.49%-29.6pp | 302.91%-303.0pp |
| Employer contribution / active EE | $1,613 | $7,802-79.3% | $4,310-62.6% | $4,762-66.1% |
| Participant deferral / active EE | $4,886 | $13,007-62.4% | $7,108-31.2% | $5,983-18.3% |
| Admin fee / account holder | $1,022 | $8,492-88.0% | $5,159-80.2% | $11,248-90.9% |