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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 | $57,370 | $92,766-38.2% | $82,763-30.7% | $134,545-57.4% |
| Participation rate | 37.5% | 75.2%-37.7pp | 72.6%-35.1pp | 81.2%-43.7pp |
| Annual return | -24.14% | 946.97%-971.1pp | 702.45%-726.6pp | 418.37%-442.5pp |
| Employer contribution / active EE | $980 | $3,273-70.1% | $3,008-67.4% | $4,742-79.3% |
| Participant deferral / active EE | $3,935 | $4,802-18.1% | $4,395-10.5% | $6,401-38.5% |
| Admin fee / account holder | $897 | $5,978-85.0% | $5,325-83.2% | $11,431-92.2% |