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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 | $11,100 | $117,777-90.6% | $71,778-84.5% | $134,545-91.7% |
| Participation rate | 14.3% | 68.9%-54.6pp | 62.3%-48.1pp | 81.2%-66.9pp |
| Annual return | -71.82% | 25.46%-97.3pp | 9.15%-81.0pp | 418.37%-490.2pp |
| Employer contribution / active EE | $158 | $2,525-93.8% | $1,704-90.8% | $4,742-96.7% |
| Participant deferral / active EE | $2,529 | $3,756-32.7% | $2,656-4.8% | $6,401-60.5% |
| Admin fee / account holder | $3,201 | $6,379-49.8% | $3,974-19.4% | $11,431-72.0% |