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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 | $11,831 | $90,607-86.9% | $79,467-85.1% | $135,380-91.3% |
| Participation rate | 57.1% | 76.0%-18.9pp | 73.3%-16.2pp | 82.6%-25.5pp |
| Annual return | -12.15% | 977.74%-989.9pp | 718.30%-730.5pp | 519.81%-532.0pp |
| Employer contribution / active EE | $1,751 | $3,068-42.9% | $2,800-37.5% | $4,779-63.4% |
| Participant deferral / active EE | $3,003 | $4,050-25.9% | $3,704-18.9% | $5,609-46.5% |
| Admin fee / account holder | $770 | $5,895-86.9% | $5,104-84.9% | $10,828-92.9% |