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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 | $33,248 | $95,915-65.3% | $79,580-58.2% | $134,532-75.3% |
| Participation rate | 33.3% | 75.0%-41.7pp | 69.5%-36.2pp | 81.2%-47.9pp |
| Annual return | -23.02% | -2.71%-20.3pp | 0.15%-23.2pp | 418.27%-441.3pp |
| Employer contribution / active EE | $721 | $3,129-77.0% | $2,413-70.1% | $4,741-84.8% |
| Participant deferral / active EE | $1,416 | $4,693-69.8% | $3,985-64.5% | $6,401-77.9% |
| Admin fee / account holder | $6,196 | $9,132-32.1% | $6,835-9.3% | $11,429-45.8% |