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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 | $23,566 | $167,353-85.9% | $143,797-83.6% | $134,545-82.5% |
| Participation rate | 37.5% | 84.8%-47.3pp | 80.3%-42.8pp | 81.2%-43.7pp |
| Annual return | -38.68% | 0.48%-39.2pp | -0.04%-38.6pp | 418.37%-457.0pp |
| Employer contribution / active EE | $8,389 | $5,620+49.3% | $4,952+69.4% | $4,742+76.9% |
| Participant deferral / active EE | $11,810 | $6,447+83.2% | $5,638+109.5% | $6,401+84.5% |
| Admin fee / account holder | $17,403 | $18,096-3.8% | $14,679+18.6% | $11,431+52.2% |