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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 | $10,634 | $88,778-88.0% | $81,844-87.0% | $145,884-92.7% |
| Participation rate | 69.2% | 75.1%-5.8pp | 72.4%-3.2pp | 80.3%-11.1pp |
| Annual return | -18.70% | 1033.03%-1051.7pp | 778.87%-797.6pp | 551.85%-570.5pp |
| Employer contribution / active EE | $886 | $3,087-71.3% | $2,916-69.6% | $4,662-81.0% |
| Participant deferral / active EE | $3,322 | $4,648-28.5% | $4,323-23.2% | $6,690-50.3% |
| Admin fee / account holder | $1,914 | $8,430-77.3% | $7,355-74.0% | $13,392-85.7% |