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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 | $34,860 | $84,628-58.8% | $61,501-43.3% | $134,545-74.1% |
| Participation rate | 33.3% | 62.2%-28.9pp | 52.6%-19.2pp | 81.2%-47.9pp |
| Annual return | -23.41% | 585.61%-609.0pp | 339.04%-362.5pp | 418.37%-441.8pp |
| Employer contribution / active EE | $1,126 | $1,545-27.1% | $1,160-2.9% | $4,742-76.3% |
| Participant deferral / active EE | $2,161 | $2,819-23.3% | $2,125+1.7% | $6,401-66.2% |
| Admin fee / account holder | $416 | $2,587-83.9% | $2,132-80.5% | $11,431-96.4% |