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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 | $15,330 | $99,644-84.6% | $86,438-82.3% | $134,532-88.6% |
| Participation rate | 54.2% | 82.1%-27.9pp | 80.3%-26.2pp | 81.2%-27.1pp |
| Annual return | -26.10% | 6787.26%-6813.4pp | 4397.19%-4423.3pp | 418.27%-444.4pp |
| Employer contribution / active EE | $4,495 | $4,402+2.1% | $3,769+19.3% | $4,741-5.2% |
| Participant deferral / active EE | $7,558 | $7,247+4.3% | $6,952+8.7% | $6,401+18.1% |
| Admin fee / account holder | $1,422 | $8,375-83.0% | $6,733-78.9% | $11,429-87.6% |