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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 | $15,475 | $48,078-67.8% | $78,676-80.3% | $62,881-75.4% |
| Participation rate | 1.9% | 65.2%-63.3pp | 73.6%-71.6pp | 69.3%-67.4pp |
| Annual return | -100.63% | 31.36%-132.0pp | 62.19%-162.8pp | 20.14%-120.8pp |
| Employer contribution / active EE | $487 | $2,015-75.8% | $2,850-82.9% | $2,281-78.7% |
| Participant deferral / active EE | $0 | $2,587-100.0% | $3,517-100.0% | $3,203-100.0% |
| Admin fee / account holder | $8,684 | $3,206+170.9% | $4,510+92.5% | $4,296+102.2% |