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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 | $37,664 | $92,766-59.4% | $82,763-54.5% | $134,545-72.0% |
| Participation rate | 66.7% | 75.2%-8.5pp | 72.6%-5.9pp | 81.2%-14.6pp |
| Annual return | -24.49% | 946.97%-971.5pp | 702.45%-726.9pp | 418.37%-442.9pp |
| Employer contribution / active EE | $825 | $3,273-74.8% | $3,008-72.6% | $4,742-82.6% |
| Participant deferral / active EE | $3,372 | $4,802-29.8% | $4,395-23.3% | $6,401-47.3% |
| Admin fee / account holder | $934 | $5,978-84.4% | $5,325-82.5% | $11,431-91.8% |