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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 | $40,974 | $99,668-58.9% | $86,451-52.6% | $134,545-69.5% |
| Participation rate | 50.0% | 82.1%-32.1pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -22.94% | 6789.61%-6812.5pp | 4398.51%-4421.4pp | 418.37%-441.3pp |
| Employer contribution / active EE | $667 | $4,403-84.9% | $3,770-82.3% | $4,742-85.9% |
| Participant deferral / active EE | $10,625 | $7,249+46.6% | $6,953+52.8% | $6,401+66.0% |
| Admin fee / account holder | $760 | $8,377-90.9% | $6,734-88.7% | $11,431-93.3% |