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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 | $38,505 | $133,981-71.3% | $112,249-65.7% | $134,532-71.4% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -30.95% | 47.16%-78.1pp | 27.48%-58.4pp | 418.27%-449.2pp |
| Employer contribution / active EE | $1,815 | $4,040-55.1% | $3,636-50.1% | $4,741-61.7% |
| Participant deferral / active EE | $10,578 | $5,292+99.9% | $4,729+123.7% | $6,401+65.3% |
| Admin fee / account holder | $2,694 | $7,492-64.0% | $6,412-58.0% | $11,429-76.4% |