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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 | $92,743-91.0% | $82,744-89.9% | $134,532-93.8% |
| Participation rate | 25.0% | 75.2%-50.2pp | 72.6%-47.6pp | 81.2%-56.2pp |
| Annual return | -26.20% | 946.63%-972.8pp | 702.22%-728.4pp | 418.27%-444.5pp |
| Employer contribution / active EE | $998 | $3,273-69.5% | $3,008-66.8% | $4,741-79.0% |
| Participant deferral / active EE | $3,429 | $4,802-28.6% | $4,395-22.0% | $6,401-46.4% |
| Admin fee / account holder | $469 | $5,977-92.2% | $5,325-91.2% | $11,429-95.9% |