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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 | $1,924 | $81,763-97.6% | $58,561-96.7% | $139,466-98.6% |
| Participation rate | 57.1% | 61.3%-4.2pp | 50.9%+6.3pp | 80.3%-23.2pp |
| Annual return | -38.08% | 7427.77%-7465.9pp | 4251.33%-4289.4pp | 373.66%-411.7pp |
| Employer contribution / active EE | $602 | $1,398-56.9% | $1,053-42.8% | $4,754-87.3% |
| Participant deferral / active EE | $1,050 | $2,555-58.9% | $1,923-45.4% | $6,712-84.4% |
| Admin fee / account holder | $315 | $3,273-90.4% | $2,520-87.5% | $11,409-97.2% |