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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 | $31,829 | $167,533-81.0% | $151,645-79.0% | $134,545-76.3% |
| Participation rate | 66.7% | 88.4%-21.7pp | 87.5%-20.8pp | 81.2%-14.6pp |
| Annual return | -36.22% | 7.81%-44.0pp | 3.34%-39.6pp | 418.37%-454.6pp |
| Employer contribution / active EE | $9,372 | $6,828+37.3% | $6,165+52.0% | $4,742+97.7% |
| Participant deferral / active EE | $6,989 | $8,985-22.2% | $8,363-16.4% | $6,401+9.2% |
| Admin fee / account holder | $865 | $13,781-93.7% | $11,614-92.6% | $11,431-92.4% |