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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 | $17,699 | $138,102-87.2% | $125,381-85.9% | $134,532-86.8% |
| Participation rate | 57.1% | 84.5%-27.4pp | 82.4%-25.2pp | 81.2%-24.1pp |
| Annual return | -22.92% | 750.73%-773.6pp | 572.31%-595.2pp | 418.27%-441.2pp |
| Employer contribution / active EE | $1,681 | $5,245-68.0% | $4,815-65.1% | $4,741-64.5% |
| Participant deferral / active EE | $3,950 | $7,801-49.4% | $7,448-47.0% | $6,401-38.3% |
| Admin fee / account holder | $7,646 | $11,568-33.9% | $10,007-23.6% | $11,429-33.1% |