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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 | $32,238 | $75,962-57.6% | $154,108-79.1% | $64,173-49.8% |
| Participation rate | 69.0% | 70.4%-1.4pp | 83.0%-14.1pp | 69.6%-0.6pp |
| Annual return | -17.81% | 30.32%-48.1pp | 735.21%-753.0pp | 7.63%-25.4pp |
| Employer contribution / active EE | $1,900 | $3,350-43.3% | $5,298-64.1% | $2,381-20.2% |
| Participant deferral / active EE | $3,573 | $3,175+12.6% | $5,081-29.7% | $3,470+3.0% |
| Admin fee / account holder | $2,316 | $5,589-58.6% | $13,411-82.7% | $4,887-52.6% |