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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 | $22,436 | $97,732-77.0% | $83,831-73.2% | $135,380-83.4% |
| Participation rate | 58.3% | 80.0%-21.6pp | 76.1%-17.8pp | 82.6%-24.3pp |
| Annual return | -12.80% | 1287.56%-1300.4pp | 850.99%-863.8pp | 519.81%-532.6pp |
| Employer contribution / active EE | $13,901 | $4,222+229.2% | $3,631+282.8% | $4,779+190.9% |
| Participant deferral / active EE | $8,811 | $4,683+88.2% | $4,082+115.9% | $5,609+57.1% |
| Admin fee / account holder | $3,879 | $6,675-41.9% | $5,479-29.2% | $10,828-64.2% |