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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 | $19,732 | $152,597-87.1% | $117,533-83.2% | $134,532-85.3% |
| Participation rate | 43.5% | 77.1%-33.6pp | 70.6%-27.1pp | 81.2%-37.8pp |
| Annual return | -24.89% | 53.04%-77.9pp | 29.77%-54.7pp | 418.27%-443.2pp |
| Employer contribution / active EE | $1,888 | $5,576-66.1% | $4,179-54.8% | $4,741-60.2% |
| Participant deferral / active EE | $3,924 | $4,821-18.6% | $4,072-3.6% | $6,401-38.7% |
| Admin fee / account holder | $727 | $7,007-89.6% | $5,647-87.1% | $11,429-93.6% |