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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 | $13,108 | $51,638-74.6% | $129,406-89.9% | $80,959-83.8% |
| Participation rate | 33.8% | 56.9%-23.1pp | 69.6%-35.8pp | 67.7%-33.8pp |
| Annual return | -71.94% | 20.78%-92.7pp | 9468.18%-9540.1pp | 35.67%-107.6pp |
| Employer contribution / active EE | $932 | $1,584-41.2% | $4,155-77.6% | $2,757-66.2% |
| Participant deferral / active EE | $2,220 | $2,670-16.9% | $4,167-46.7% | $4,300-48.4% |
| Admin fee / account holder | $6,554 | $4,313+52.0% | $7,689-14.8% | $6,925-5.4% |