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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 | $25,466 | $84,628-69.9% | $61,501-58.6% | $134,545-81.1% |
| Participation rate | 28.6% | 62.2%-33.6pp | 52.6%-24.0pp | 81.2%-52.7pp |
| Annual return | -22.04% | 585.61%-607.6pp | 339.04%-361.1pp | 418.37%-440.4pp |
| Employer contribution / active EE | $737 | $1,545-52.3% | $1,160-36.5% | $4,742-84.5% |
| Participant deferral / active EE | $2,568 | $2,819-8.9% | $2,125+20.9% | $6,401-59.9% |
| Admin fee / account holder | $951 | $2,587-63.3% | $2,132-55.4% | $11,431-91.7% |