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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 | $30,116 | $88,603-66.0% | $69,890-56.9% | $134,545-77.6% |
| Participation rate | 15.8% | 74.9%-59.1pp | 70.5%-54.7pp | 81.2%-65.4pp |
| Annual return | -21.08% | 442.93%-464.0pp | 190.84%-211.9pp | 418.37%-439.4pp |
| Employer contribution / active EE | $479 | $3,236-85.2% | $2,560-81.3% | $4,742-89.9% |
| Participant deferral / active EE | $992 | $4,771-79.2% | $3,848-74.2% | $6,401-84.5% |
| Admin fee / account holder | $489 | $10,443-95.3% | $6,267-92.2% | $11,431-95.7% |