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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 | $59,025 | $101,618-41.9% | $93,063-36.6% | $137,256-57.0% |
| Participation rate | 33.3% | 74.9%-41.6pp | 72.1%-38.8pp | 80.0%-46.6pp |
| Annual return | -5.75% | 223.95%-229.7pp | 34.15%-39.9pp | 220.34%-226.1pp |
| Employer contribution / active EE | $483 | $2,707-82.1% | $2,476-80.5% | $4,156-88.4% |
| Participant deferral / active EE | $3,367 | $4,279-21.3% | $3,958-14.9% | $6,407-47.5% |
| Admin fee / account holder | $401 | $6,198-93.5% | $6,033-93.4% | $12,270-96.7% |