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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 | $40,167 | $82,314-51.2% | $68,808-41.6% | $134,532-70.1% |
| Participation rate | 57.1% | 75.1%-17.9pp | 69.0%-11.9pp | 81.2%-24.1pp |
| Annual return | -23.17% | -2.18%-21.0pp | -6.37%-16.8pp | 418.27%-441.4pp |
| Employer contribution / active EE | $13,007 | $3,301+294.0% | $2,656+389.8% | $4,741+174.3% |
| Participant deferral / active EE | $7,209 | $4,740+52.1% | $3,942+82.9% | $6,401+12.6% |
| Admin fee / account holder | $948 | $6,484-85.4% | $4,936-80.8% | $11,429-91.7% |