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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 | $20,181 | $84,628-76.2% | $61,501-67.2% | $134,545-85.0% |
| Participation rate | 66.7% | 62.2%+4.5pp | 52.6%+14.1pp | 81.2%-14.6pp |
| Annual return | -23.62% | 585.61%-609.2pp | 339.04%-362.7pp | 418.37%-442.0pp |
| Employer contribution / active EE | $775 | $1,545-49.8% | $1,160-33.1% | $4,742-83.6% |
| Participant deferral / active EE | $2,788 | $2,819-1.1% | $2,125+31.2% | $6,401-56.5% |
| Admin fee / account holder | $1,120 | $2,587-56.7% | $2,132-47.4% | $11,431-90.2% |