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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 | $16,271 | $84,684-80.8% | $73,835-78.0% | $125,388-87.0% |
| Participation rate | 47.1% | 76.8%-29.7pp | 73.4%-26.4pp | 83.2%-36.1pp |
| Annual return | -4.18% | 3123.93%-3128.1pp | 2268.13%-2272.3pp | 282.24%-286.4pp |
| Employer contribution / active EE | $580 | $3,123-81.4% | $2,788-79.2% | $4,866-88.1% |
| Participant deferral / active EE | $3,585 | $3,993-10.2% | $3,583+0.1% | $5,352-33.0% |
| Admin fee / account holder | $426 | $5,691-92.5% | $4,880-91.3% | $9,541-95.5% |