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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 | $19,014 | $90,607-79.0% | $79,467-76.1% | $135,380-86.0% |
| Participation rate | 29.2% | 76.0%-46.9pp | 73.3%-44.2pp | 82.6%-53.5pp |
| Annual return | -13.01% | 977.74%-990.7pp | 718.30%-731.3pp | 519.81%-532.8pp |
| Employer contribution / active EE | $797 | $3,068-74.0% | $2,800-71.5% | $4,779-83.3% |
| Participant deferral / active EE | $2,309 | $4,050-43.0% | $3,704-37.6% | $5,609-58.8% |
| Admin fee / account holder | $1,292 | $5,895-78.1% | $5,104-74.7% | $10,828-88.1% |