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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 | $40,929 | $55,449-26.2% | $83,830-51.2% | $56,287-27.3% |
| Participation rate | 30.1% | 68.0%-37.9pp | 76.1%-46.0pp | 69.9%-39.8pp |
| Annual return | -8.42% | -1.38%-7.0pp | 850.97%-859.4pp | -9.96%+1.5pp |
| Employer contribution / active EE | $0 | $2,430-100.0% | $3,631-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,781 | $2,935-39.3% | $4,082-56.4% | $3,350-46.8% |
| Admin fee / account holder | $7,707 | $656+1074.8% | $5,479+40.7% | $521+1379.4% |