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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 | $30,171 | $78,690-61.7% | $161,489-81.3% | $87,485-65.5% |
| Participation rate | 68.8% | 67.5%+1.4pp | 78.7%-9.9pp | 68.9%-0.1pp |
| Annual return | -16.12% | 32.74%-48.9pp | 89.72%-105.8pp | 26.06%-42.2pp |
| Employer contribution / active EE | $1,335 | $2,588-48.4% | $4,268-68.7% | $2,596-48.6% |
| Participant deferral / active EE | $1,859 | $3,311-43.8% | $5,630-67.0% | $4,274-56.5% |
| Admin fee / account holder | $2,916 | $6,724-56.6% | $16,006-81.8% | $7,775-62.5% |