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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 | $20,490 | $51,638-60.3% | $68,368-70.0% | $82,448-75.1% |
| Participation rate | 63.0% | 63.6%-0.6pp | 73.8%-10.7pp | 68.1%-5.1pp |
| Annual return | -0.81% | 37.53%-38.3pp | 292.57%-293.4pp | 41.64%-42.4pp |
| Employer contribution / active EE | $867 | $2,047-57.6% | $2,649-67.3% | $2,551-66.0% |
| Participant deferral / active EE | $1,355 | $2,914-53.5% | $4,123-67.1% | $4,139-67.3% |
| Admin fee / account holder | $1,697 | $4,643-63.4% | $5,150-67.0% | $7,234-76.5% |