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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 | $85,684 | $138,075-37.9% | $123,552-30.6% | $135,379-36.7% |
| Participation rate | 60.0% | 84.7%-24.7pp | 82.3%-22.3pp | 82.6%-22.6pp |
| Annual return | -9.28% | 153.70%-163.0pp | 119.20%-128.5pp | 519.79%-529.1pp |
| Employer contribution / active EE | $4,760 | $5,152-7.6% | $4,628+2.8% | $4,779-0.4% |
| Participant deferral / active EE | $7,004 | $6,800+3.0% | $6,426+9.0% | $5,609+24.9% |
| Admin fee / account holder | $1,627 | $10,917-85.1% | $9,285-82.5% | $10,828-85.0% |