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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 | $23,667 | $56,197-57.9% | $67,652-65.0% | $59,633-60.3% |
| Participation rate | 41.4% | 71.5%-30.1pp | 75.7%-34.3pp | 68.7%-27.3pp |
| Annual return | -3.51% | 18508.10%-18511.6pp | 6625.40%-6628.9pp | 2041.45%-2045.0pp |
| Employer contribution / active EE | $814 | $1,615-49.6% | $2,266-64.1% | $2,203-63.1% |
| Participant deferral / active EE | $1,752 | $2,844-38.4% | $3,560-50.8% | $3,192-45.1% |
| Admin fee / account holder | $6,721 | $3,958+69.8% | $4,821+39.4% | $4,297+56.4% |