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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 | $14,945 | $93,117-84.0% | $77,096-80.6% | $134,532-88.9% |
| Participation rate | 63.6% | 74.5%-10.9pp | 67.9%-4.3pp | 81.2%-17.6pp |
| Annual return | -35.60% | 62.67%-98.3pp | 42.35%-77.9pp | 418.27%-453.9pp |
| Employer contribution / active EE | $1,788 | $3,420-47.7% | $2,814-36.5% | $4,741-62.3% |
| Participant deferral / active EE | $4,915 | $5,241-6.2% | $4,429+11.0% | $6,401-23.2% |
| Admin fee / account holder | $1,554 | $6,948-77.6% | $5,428-71.4% | $11,429-86.4% |