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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 | $21,687 | $90,607-76.1% | $79,467-72.7% | $135,380-84.0% |
| Participation rate | 61.1% | 76.0%-14.9pp | 73.3%-12.2pp | 82.6%-21.5pp |
| Annual return | -9.85% | 977.74%-987.6pp | 718.30%-728.1pp | 519.81%-529.7pp |
| Employer contribution / active EE | $1,635 | $3,068-46.7% | $2,800-41.6% | $4,779-65.8% |
| Participant deferral / active EE | $5,082 | $4,050+25.5% | $3,704+37.2% | $5,609-9.4% |
| Admin fee / account holder | $334 | $5,895-94.3% | $5,104-93.5% | $10,828-96.9% |