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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 | $47,223 | $90,606-47.9% | $79,466-40.6% | $135,379-65.1% |
| Participation rate | 20.0% | 76.0%-56.0pp | 73.3%-53.3pp | 82.6%-62.6pp |
| Annual return | -13.83% | 977.69%-991.5pp | 718.28%-732.1pp | 519.79%-533.6pp |
| Employer contribution / active EE | $800 | $3,068-73.9% | $2,800-71.4% | $4,779-83.3% |
| Participant deferral / active EE | $2,708 | $4,050-33.1% | $3,704-26.9% | $5,609-51.7% |
| Admin fee / account holder | $1,882 | $5,895-68.1% | $5,104-63.1% | $10,828-82.6% |