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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 | $25,333 | $84,685-70.1% | $73,836-65.7% | $125,389-79.8% |
| Participation rate | 22.2% | 76.8%-54.5pp | 73.4%-51.2pp | 83.2%-61.0pp |
| Annual return | -11.69% | 3123.80%-3135.5pp | 2268.06%-2279.7pp | 282.24%-293.9pp |
| Employer contribution / active EE | $915 | $3,123-70.7% | $2,787-67.2% | $4,866-81.2% |
| Participant deferral / active EE | $2,434 | $3,993-39.0% | $3,583-32.1% | $5,352-54.5% |
| Admin fee / account holder | $650 | $5,694-88.6% | $4,882-86.7% | $9,541-93.2% |