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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 | $30,274 | $180,462-83.2% | $154,111-80.4% | $135,379-77.6% |
| Participation rate | 41.7% | 87.4%-45.8pp | 83.0%-41.4pp | 82.6%-41.0pp |
| Annual return | -10.03% | 888.17%-898.2pp | 735.18%-745.2pp | 519.79%-529.8pp |
| Employer contribution / active EE | $1,855 | $6,036-69.3% | $5,298-65.0% | $4,779-61.2% |
| Participant deferral / active EE | $2,188 | $5,806-62.3% | $5,081-56.9% | $5,609-61.0% |
| Admin fee / account holder | $1,750 | $16,145-89.2% | $13,411-86.9% | $10,828-83.8% |