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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 | $28,034 | $96,388-70.9% | $80,627-65.2% | $139,466-79.9% |
| Participation rate | 10.5% | 73.6%-63.1pp | 67.0%-56.5pp | 80.3%-69.8pp |
| Annual return | -81.68% | 1352.08%-1433.8pp | 936.76%-1018.4pp | 373.66%-455.3pp |
| Employer contribution / active EE | $1,754 | $3,260-46.2% | $2,723-35.6% | $4,754-63.1% |
| Participant deferral / active EE | $5,364 | $5,224+2.7% | $4,443+20.7% | $6,712-20.1% |
| Admin fee / account holder | $1,749 | $6,603-73.5% | $5,381-67.5% | $11,409-84.7% |