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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 | $21,946 | $75,962-71.1% | $154,108-85.8% | $64,173-65.8% |
| Participation rate | 30.0% | 70.4%-40.4pp | 83.0%-53.0pp | 69.6%-39.6pp |
| Annual return | -8.87% | 30.32%-39.2pp | 735.21%-744.1pp | 7.63%-16.5pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,310 | $3,175-58.8% | $5,081-74.2% | $3,470-62.3% |
| Admin fee / account holder | $1,434 | $5,589-74.3% | $13,411-89.3% | $4,887-70.7% |