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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 | $18,341 | $92,743-80.2% | $82,744-77.8% | $134,532-86.4% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 81.2%-31.2pp |
| Annual return | -22.13% | 946.63%-968.8pp | 702.22%-724.4pp | 418.27%-440.4pp |
| Employer contribution / active EE | $953 | $3,273-70.9% | $3,008-68.3% | $4,741-79.9% |
| Participant deferral / active EE | $4,593 | $4,802-4.3% | $4,395+4.5% | $6,401-28.2% |
| Admin fee / account holder | $7,526 | $5,977+25.9% | $5,325+41.3% | $11,429-34.1% |