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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 | $62,694 | $75,962-17.5% | $154,108-59.3% | $64,173-2.3% |
| Participation rate | 54.4% | 70.4%-16.0pp | 83.0%-28.6pp | 69.6%-15.1pp |
| Annual return | -9.62% | 30.32%-39.9pp | 735.21%-744.8pp | 7.63%-17.3pp |
| Employer contribution / active EE | $1,213 | $3,350-63.8% | $5,298-77.1% | $2,381-49.1% |
| Participant deferral / active EE | $2,524 | $3,175-20.5% | $5,081-50.3% | $3,470-27.2% |
| Admin fee / account holder | $874 | $5,589-84.4% | $13,411-93.5% | $4,887-82.1% |