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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 | $96,738 | $54,357+78.0% | $82,706+17.0% | $68,495+41.2% |
| Participation rate | 43.9% | 63.9%-20.0pp | 72.6%-28.7pp | 67.9%-24.0pp |
| Annual return | -20.92% | -13.67%-7.3pp | 701.76%-722.7pp | -7.84%-13.1pp |
| Employer contribution / active EE | $1,918 | $2,218-13.6% | $3,007-36.2% | $2,596-26.1% |
| Participant deferral / active EE | $2,878 | $3,246-11.3% | $4,394-34.5% | $4,028-28.5% |
| Admin fee / account holder | $26,180 | $4,396+495.5% | $5,329+391.3% | $5,403+384.5% |