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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 | $8,369 | $27,632-69.7% | $61,452-86.4% | $68,486-87.8% |
| Participation rate | 26.7% | 39.5%-12.8pp | 52.6%-25.9pp | 67.9%-41.2pp |
| Annual return | -71.98% | -13.24%-58.7pp | 338.96%-410.9pp | -7.85%-64.1pp |
| Employer contribution / active EE | $573 | $696-17.7% | $1,160-50.6% | $2,597-77.9% |
| Participant deferral / active EE | $1,739 | $1,264+37.7% | $2,125-18.1% | $4,028-56.8% |
| Admin fee / account holder | $1,747 | $2,010-13.1% | $2,131-18.0% | $5,404-67.7% |