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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 | $9,453 | $67,396-86.0% | $60,919-84.5% | $134,545-93.0% |
| Participation rate | 14.3% | 76.2%-61.9pp | 73.1%-58.8pp | 81.2%-66.9pp |
| Annual return | -58.60% | 50.12%-108.7pp | 16.96%-75.6pp | 418.37%-477.0pp |
| Employer contribution / active EE | $401 | $3,101-87.1% | $2,704-85.2% | $4,742-91.5% |
| Participant deferral / active EE | $1,555 | $4,534-65.7% | $3,814-59.2% | $6,401-75.7% |
| Admin fee / account holder | $906 | $4,590-80.3% | $3,228-71.9% | $11,431-92.1% |