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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 | $10,392 | $85,024-87.8% | $70,544-85.3% | $139,466-92.5% |
| Participation rate | 66.7% | 73.9%-7.2pp | 68.4%-1.7pp | 80.3%-13.7pp |
| Annual return | -58.58% | 30.39%-89.0pp | 32.79%-91.4pp | 373.66%-432.2pp |
| Employer contribution / active EE | $2,042 | $3,912-47.8% | $2,976-31.4% | $4,754-57.0% |
| Participant deferral / active EE | $4,511 | $5,891-23.4% | $4,568-1.2% | $6,712-32.8% |
| Admin fee / account holder | $4,769 | $8,928-46.6% | $6,427-25.8% | $11,409-58.2% |