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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 | $36,825 | $138,075-73.3% | $123,552-70.2% | $135,379-72.8% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -10.75% | 153.70%-164.5pp | 119.20%-130.0pp | 519.79%-530.5pp |
| Employer contribution / active EE | $4,080 | $5,152-20.8% | $4,628-11.8% | $4,779-14.6% |
| Participant deferral / active EE | $4,945 | $6,800-27.3% | $6,426-23.1% | $5,609-11.8% |
| Admin fee / account holder | $2,274 | $10,917-79.2% | $9,285-75.5% | $10,828-79.0% |