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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 | $23,811 | $84,628-71.9% | $61,501-61.3% | $134,545-82.3% |
| Participation rate | 66.7% | 62.2%+4.5pp | 52.6%+14.1pp | 81.2%-14.6pp |
| Annual return | -24.65% | 585.61%-610.3pp | 339.04%-363.7pp | 418.37%-443.0pp |
| Employer contribution / active EE | $821 | $1,545-46.9% | $1,160-29.2% | $4,742-82.7% |
| Participant deferral / active EE | $4,231 | $2,819+50.1% | $2,125+99.1% | $6,401-33.9% |
| Admin fee / account holder | $13,421 | $2,587+418.7% | $2,132+529.6% | $11,431+17.4% |