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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 | $31,510 | $28,109+12.1% | $71,089-55.7% | $56,289-44.0% |
| Participation rate | 37.5% | 40.4%-2.9pp | 54.6%-17.1pp | 69.9%-32.4pp |
| Annual return | -8.93% | -615.05%+606.1pp | 650.65%-659.6pp | -9.96%+1.0pp |
| Employer contribution / active EE | $587 | $558+5.3% | $1,088-46.0% | $2,111-72.2% |
| Participant deferral / active EE | $1,076 | $1,116-3.6% | $1,873-42.5% | $3,350-67.9% |
| Admin fee / account holder | $915 | $585+56.5% | $3,082-70.3% | $521+75.7% |