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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 | $20,814 | $111,830-81.4% | $93,696-77.8% | $145,884-85.7% |
| Participation rate | 58.8% | 74.2%-15.4pp | 68.7%-9.9pp | 80.3%-21.5pp |
| Annual return | -5.21% | 204.08%-209.3pp | 133.74%-139.0pp | 551.85%-557.1pp |
| Employer contribution / active EE | $3,821 | $3,093+23.5% | $2,422+57.8% | $4,662-18.1% |
| Participant deferral / active EE | $11,022 | $4,920+124.0% | $4,417+149.5% | $6,690+64.8% |
| Admin fee / account holder | $3,914 | $10,249-61.8% | $8,287-52.8% | $13,392-70.8% |