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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 | $65,549 | $97,761-33.0% | $83,850-21.8% | $135,382-51.6% |
| Participation rate | 33.3% | 80.0%-46.6pp | 76.1%-42.8pp | 82.6%-49.3pp |
| Annual return | -10.12% | 1287.44%-1297.6pp | 850.92%-861.0pp | 519.77%-529.9pp |
| Employer contribution / active EE | $1,664 | $4,222-60.6% | $3,631-54.2% | $4,779-65.2% |
| Participant deferral / active EE | $8,000 | $4,682+70.9% | $4,082+96.0% | $5,609+42.6% |
| Admin fee / account holder | $1,098 | $6,674-83.6% | $5,478-80.0% | $10,829-89.9% |