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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 | $61,736 | $93,117-33.7% | $77,096-19.9% | $134,532-54.1% |
| Participation rate | 40.0% | 74.5%-34.5pp | 67.9%-27.9pp | 81.2%-41.2pp |
| Annual return | -24.35% | 62.67%-87.0pp | 42.35%-66.7pp | 418.27%-442.6pp |
| Employer contribution / active EE | $2,789 | $3,420-18.5% | $2,814-0.9% | $4,741-41.2% |
| Participant deferral / active EE | $6,625 | $5,241+26.4% | $4,429+49.6% | $6,401+3.5% |
| Admin fee / account holder | $1,341 | $6,948-80.7% | $5,428-75.3% | $11,429-88.3% |