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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 | $34,790 | $90,607-61.6% | $79,467-56.2% | $135,380-74.3% |
| Participation rate | 50.0% | 76.0%-26.0pp | 73.3%-23.3pp | 82.6%-32.6pp |
| Annual return | -69.73% | 977.74%-1047.5pp | 718.30%-788.0pp | 519.81%-589.5pp |
| Employer contribution / active EE | $5,749 | $3,068+87.4% | $2,800+105.3% | $4,779+20.3% |
| Participant deferral / active EE | $9,250 | $4,050+128.4% | $3,704+149.7% | $5,609+64.9% |
| Admin fee / account holder | $14,668 | $5,895+148.8% | $5,104+187.4% | $10,828+35.5% |