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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 | $10,019 | $156,963-93.6% | $121,204-91.7% | $139,466-92.8% |
| Participation rate | 16.7% | 76.5%-59.8pp | 69.5%-52.9pp | 80.3%-63.7pp |
| Annual return | -101.73% | 1476.75%-1578.5pp | 987.18%-1088.9pp | 373.66%-475.4pp |
| Employer contribution / active EE | $783 | $5,544-85.9% | $4,170-81.2% | $4,754-83.5% |
| Participant deferral / active EE | $1,334 | $4,848-72.5% | $4,083-67.3% | $6,712-80.1% |
| Admin fee / account holder | $551 | $6,953-92.1% | $5,651-90.2% | $11,409-95.2% |