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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 | $8,346 | $92,684-91.0% | $82,706-89.9% | $134,509-93.8% |
| Participation rate | 25.0% | 75.2%-50.2pp | 72.6%-47.6pp | 81.2%-56.2pp |
| Annual return | -26.20% | 945.84%-972.0pp | 701.76%-728.0pp | 418.13%-444.3pp |
| Employer contribution / active EE | $998 | $3,272-69.5% | $3,007-66.8% | $4,741-79.0% |
| Participant deferral / active EE | $3,429 | $4,800-28.6% | $4,394-22.0% | $6,400-46.4% |
| Admin fee / account holder | $469 | $5,982-92.2% | $5,329-91.2% | $11,427-95.9% |