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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 | $32,883 | $49,177-33.1% | $79,466-58.6% | $64,173-48.8% |
| Participation rate | 60.0% | 65.0%-5.0pp | 73.3%-13.3pp | 69.6%-9.6pp |
| Annual return | -11.62% | -1.16%-10.5pp | 718.28%-729.9pp | 7.63%-19.3pp |
| Employer contribution / active EE | $1,652 | $2,076-20.4% | $2,800-41.0% | $2,381-30.6% |
| Participant deferral / active EE | $3,934 | $2,821+39.4% | $3,704+6.2% | $3,470+13.4% |
| Admin fee / account holder | $1,312 | $3,839-65.8% | $5,104-74.3% | $4,887-73.1% |