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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 | $25,564 | $91,198-72.0% | $178,503-85.7% | $79,856-68.0% |
| Participation rate | 47.4% | 69.2%-21.8pp | 81.9%-34.5pp | 69.6%-22.2pp |
| Annual return | -69.35% | 24.20%-93.6pp | 151.12%-220.5pp | 31.71%-101.1pp |
| Employer contribution / active EE | $1,514 | $3,257-53.5% | $5,011-69.8% | $2,471-38.7% |
| Participant deferral / active EE | $2,344 | $3,237-27.6% | $5,202-54.9% | $3,741-37.3% |
| Admin fee / account holder | $5,100 | $6,748-24.4% | $13,987-63.5% | $5,306-3.9% |