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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 | $14,798 | $97,732-84.9% | $83,831-82.3% | $135,380-89.1% |
| Participation rate | 61.1% | 80.0%-18.8pp | 76.1%-15.0pp | 82.6%-21.5pp |
| Annual return | -10.34% | 1287.56%-1297.9pp | 850.99%-861.3pp | 519.81%-530.1pp |
| Employer contribution / active EE | $2,120 | $4,222-49.8% | $3,631-41.6% | $4,779-55.6% |
| Participant deferral / active EE | $5,032 | $4,683+7.5% | $4,082+23.3% | $5,609-10.3% |
| Admin fee / account holder | $749 | $6,675-88.8% | $5,479-86.3% | $10,828-93.1% |