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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 | $24,303 | $92,743-73.8% | $82,744-70.6% | $134,532-81.9% |
| Participation rate | 66.7% | 75.2%-8.5pp | 72.6%-5.9pp | 81.2%-14.6pp |
| Annual return | -24.20% | 946.63%-970.8pp | 702.22%-726.4pp | 418.27%-442.5pp |
| Employer contribution / active EE | $2,752 | $3,273-15.9% | $3,008-8.5% | $4,741-42.0% |
| Participant deferral / active EE | $3,600 | $4,802-25.0% | $4,395-18.1% | $6,401-43.8% |
| Admin fee / account holder | $317,117 | $5,977+5205.3% | $5,325+5855.5% | $11,429+2674.8% |