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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 | $32,535 | $80,753-59.7% | $136,298-76.1% | $62,293-47.8% |
| Participation rate | 46.8% | 73.5%-26.7pp | 81.9%-35.1pp | 69.5%-22.7pp |
| Annual return | -34.80% | 35.83%-70.6pp | 5156.27%-5191.1pp | 28.90%-63.7pp |
| Employer contribution / active EE | $548 | $2,884-81.0% | $4,696-88.3% | $2,042-73.2% |
| Participant deferral / active EE | $2,337 | $5,164-54.7% | $6,247-62.6% | $3,169-26.2% |
| Admin fee / account holder | $3,809 | $525+624.9% | $9,244-58.8% | $479+694.6% |