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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 | $29,105 | $142,409-79.6% | $119,634-75.7% | $134,545-78.4% |
| Participation rate | 66.7% | 82.8%-16.2pp | 79.3%-12.6pp | 81.2%-14.6pp |
| Annual return | -40.93% | -12.46%-28.5pp | -14.98%-25.9pp | 418.37%-459.3pp |
| Employer contribution / active EE | $3,540 | $5,224-32.2% | $4,232-16.4% | $4,742-25.3% |
| Participant deferral / active EE | $15,873 | $6,468+145.4% | $5,601+183.4% | $6,401+148.0% |
| Admin fee / account holder | $1,806 | $13,594-86.7% | $10,329-82.5% | $11,431-84.2% |