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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 | $67,108 | $104,116-35.5% | $71,089-5.6% | $135,380-50.4% |
| Participation rate | 9.1% | 65.7%-56.6pp | 54.6%-45.6pp | 82.6%-73.6pp |
| Annual return | -14.41% | 1256.51%-1270.9pp | 650.65%-665.1pp | 519.81%-534.2pp |
| Employer contribution / active EE | $374 | $1,485-74.8% | $1,088-65.6% | $4,779-92.2% |
| Participant deferral / active EE | $2,227 | $2,524-11.7% | $1,873+18.9% | $5,609-60.3% |
| Admin fee / account holder | $501 | $4,142-87.9% | $3,082-83.7% | $10,828-95.4% |