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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 | $27,790 | $90,607-69.3% | $79,467-65.0% | $135,380-79.5% |
| Participation rate | 47.1% | 76.0%-29.0pp | 73.3%-26.3pp | 82.6%-35.6pp |
| Annual return | -11.54% | 977.74%-989.3pp | 718.30%-729.8pp | 519.81%-531.3pp |
| Employer contribution / active EE | $1,566 | $3,068-48.9% | $2,800-44.1% | $4,779-67.2% |
| Participant deferral / active EE | $2,390 | $4,050-41.0% | $3,704-35.5% | $5,609-57.4% |
| Admin fee / account holder | $1,778 | $5,895-69.8% | $5,104-65.2% | $10,828-83.6% |