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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 | $51,604-74.6% | $129,295-89.9% | $80,874-83.8% |
| Participation rate | 33.8% | 57.0%-23.2pp | 69.6%-35.8pp | 67.6%-33.8pp |
| Annual return | -71.94% | 20.76%-92.7pp | 9429.28%-9501.2pp | 35.62%-107.6pp |
| Employer contribution / active EE | $932 | $1,585-41.2% | $4,157-77.6% | $2,756-66.2% |
| Participant deferral / active EE | $2,220 | $2,670-16.9% | $4,169-46.8% | $4,297-48.3% |
| Admin fee / account holder | $6,554 | $4,310+52.1% | $7,665-14.5% | $6,935-5.5% |