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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 | $69,932 | $45,152+54.9% | $73,835-5.3% | $59,633+17.3% |
| Participation rate | 15.4% | 64.0%-48.6pp | 73.4%-58.1pp | 68.7%-53.3pp |
| Annual return | -18.00% | 27.40%-45.4pp | 2268.13%-2286.1pp | 2041.40%-2059.4pp |
| Employer contribution / active EE | $402 | $1,901-78.8% | $2,788-85.6% | $2,203-81.7% |
| Participant deferral / active EE | $1,330 | $2,573-48.3% | $3,583-62.9% | $3,192-58.3% |
| Admin fee / account holder | $14,085 | $3,515+300.8% | $4,880+188.7% | $4,297+227.8% |