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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 | $124,913 | $135,645-7.9% | $110,243+13.3% | $135,380-7.7% |
| Participation rate | 42.9% | 83.5%-40.6pp | 79.8%-37.0pp | 82.6%-39.8pp |
| Annual return | -10.24% | 513.24%-523.5pp | 314.76%-325.0pp | 519.81%-530.0pp |
| Employer contribution / active EE | $2,116 | $4,907-56.9% | $3,827-44.7% | $4,779-55.7% |
| Participant deferral / active EE | $4,402 | $5,507-20.1% | $4,672-5.8% | $5,609-21.5% |
| Admin fee / account holder | $2,180 | $11,458-81.0% | $8,548-74.5% | $10,828-79.9% |