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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 | $24,558 | $88,585-72.3% | $69,884-64.9% | $134,532-81.7% |
| Participation rate | 58.3% | 74.9%-16.6pp | 70.5%-12.1pp | 81.2%-22.9pp |
| Annual return | -24.12% | 442.80%-466.9pp | 190.81%-214.9pp | 418.27%-442.4pp |
| Employer contribution / active EE | $5,016 | $3,235+55.0% | $2,560+95.9% | $4,741+5.8% |
| Participant deferral / active EE | $4,787 | $4,770+0.4% | $3,848+24.4% | $6,401-25.2% |
| Admin fee / account holder | $1,362 | $10,441-87.0% | $6,266-78.3% | $11,429-88.1% |