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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 | $10,798 | $84,551-87.2% | $61,452-82.4% | $134,532-92.0% |
| Participation rate | 47.6% | 62.2%-14.6pp | 52.6%-5.0pp | 81.2%-33.6pp |
| Annual return | -23.60% | 585.39%-609.0pp | 338.96%-362.6pp | 418.27%-441.9pp |
| Employer contribution / active EE | $691 | $1,545-55.3% | $1,160-40.4% | $4,741-85.4% |
| Participant deferral / active EE | $1,681 | $2,818-40.4% | $2,125-20.9% | $6,401-73.7% |
| Admin fee / account holder | $1,610 | $2,587-37.8% | $2,131-24.4% | $11,429-85.9% |