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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 | $27,399 | $100,938-72.9% | $90,461-69.7% | $158,982-82.8% |
| Participation rate | 66.7% | 75.0%-8.4pp | 72.7%-6.0pp | 82.0%-15.3pp |
| Annual return | -1.10% | 1727.20%-1728.3pp | 1294.76%-1295.9pp | 302.99%-304.1pp |
| Employer contribution / active EE | $359 | $3,691-90.3% | $3,264-89.0% | $4,763-92.5% |
| Participant deferral / active EE | $1,441 | $4,350-66.9% | $3,964-63.7% | $5,983-75.9% |
| Admin fee / account holder | $5,405 | $6,510-17.0% | $5,617-3.8% | $11,252-52.0% |