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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 | $19,098 | $84,685-77.4% | $73,836-74.1% | $125,389-84.8% |
| Participation rate | 66.7% | 76.8%-10.1pp | 73.4%-6.8pp | 83.2%-16.5pp |
| Annual return | -25.44% | 3123.80%-3149.2pp | 2268.06%-2293.5pp | 282.24%-307.7pp |
| Employer contribution / active EE | $18,017 | $3,123+476.8% | $2,787+546.3% | $4,866+270.2% |
| Participant deferral / active EE | $3,000 | $3,993-24.9% | $3,583-16.3% | $5,352-43.9% |
| Admin fee / account holder | $4,664 | $5,694-18.1% | $4,882-4.5% | $9,541-51.1% |