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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 | $48,018 | $92,219-47.9% | $76,767-37.4% | $135,380-64.5% |
| Participation rate | 25.0% | 79.8%-54.8pp | 77.0%-52.0pp | 82.6%-57.6pp |
| Annual return | -11.97% | 5.46%-17.4pp | 2.43%-14.4pp | 519.81%-531.8pp |
| Employer contribution / active EE | $4,836 | $3,216+50.4% | $2,485+94.6% | $4,779+1.2% |
| Participant deferral / active EE | $4,318 | $4,508-4.2% | $3,852+12.1% | $5,609-23.0% |
| Admin fee / account holder | $10,296 | $10,749-4.2% | $6,675+54.2% | $10,828-4.9% |