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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 | $33,111 | $109,372-69.7% | $89,414-63.0% | $158,966-79.2% |
| Participation rate | 16.7% | 74.3%-57.6pp | 68.0%-51.3pp | 82.0%-65.3pp |
| Annual return | -74.36% | 345.55%-419.9pp | 245.50%-319.9pp | 302.95%-377.3pp |
| Employer contribution / active EE | $430 | $3,171-86.4% | $2,586-83.4% | $4,762-91.0% |
| Participant deferral / active EE | $4,167 | $4,598-9.4% | $3,890+7.1% | $5,983-30.4% |
| Admin fee / account holder | $402 | $6,156-93.5% | $4,883-91.8% | $11,250-96.4% |