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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 | $13,976 | $82,324-83.0% | $68,803-79.7% | $134,545-89.6% |
| Participation rate | 50.0% | 75.1%-25.1pp | 69.0%-19.0pp | 81.2%-31.2pp |
| Annual return | -23.17% | -2.17%-21.0pp | -6.37%-16.8pp | 418.37%-441.5pp |
| Employer contribution / active EE | $1,794 | $3,302-45.7% | $2,656-32.5% | $4,742-62.2% |
| Participant deferral / active EE | $2,829 | $4,740-40.3% | $3,942-28.2% | $6,401-55.8% |
| Admin fee / account holder | $2,946 | $6,485-54.6% | $4,936-40.3% | $11,431-74.2% |