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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 | $16,615 | $117,694-85.9% | $71,755-76.8% | $134,532-87.7% |
| Participation rate | 35.3% | 68.8%-33.5pp | 62.3%-27.0pp | 81.2%-45.9pp |
| Annual return | -36.15% | 25.33%-61.5pp | 9.09%-45.2pp | 418.27%-454.4pp |
| Employer contribution / active EE | $9,292 | $2,523+268.3% | $1,704+445.4% | $4,741+96.0% |
| Participant deferral / active EE | $2,945 | $3,753-21.5% | $2,656+10.9% | $6,401-54.0% |
| Admin fee / account holder | $374 | $6,374-94.1% | $3,972-90.6% | $11,429-96.7% |