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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 | $26,762 | $90,607-70.5% | $79,467-66.3% | $135,380-80.2% |
| Participation rate | 53.3% | 76.0%-22.7pp | 73.3%-20.0pp | 82.6%-29.3pp |
| Annual return | -9.94% | 977.74%-987.7pp | 718.30%-728.2pp | 519.81%-529.7pp |
| Employer contribution / active EE | $374 | $3,068-87.8% | $2,800-86.7% | $4,779-92.2% |
| Participant deferral / active EE | $743 | $4,050-81.7% | $3,704-80.0% | $5,609-86.8% |
| Admin fee / account holder | $1,025 | $5,895-82.6% | $5,104-79.9% | $10,828-90.5% |