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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 | $26,980 | $92,766-70.9% | $82,763-67.4% | $134,545-79.9% |
| Participation rate | 43.8% | 75.2%-31.5pp | 72.6%-28.8pp | 81.2%-37.5pp |
| Annual return | -23.14% | 946.97%-970.1pp | 702.45%-725.6pp | 418.37%-441.5pp |
| Employer contribution / active EE | $0 | $3,273-100.0% | $3,008-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $2,411 | $4,802-49.8% | $4,395-45.1% | $6,401-62.3% |
| Admin fee / account holder | $794 | $5,978-86.7% | $5,325-85.1% | $11,431-93.1% |