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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 | $71,270 | $165,399-56.9% | $149,745-52.4% | $158,982-55.2% |
| Participation rate | 63.6% | 84.6%-20.9pp | 82.5%-18.8pp | 82.0%-18.3pp |
| Annual return | -6.52% | 348.34%-354.9pp | 276.72%-283.2pp | 302.99%-309.5pp |
| Employer contribution / active EE | $6,720 | $5,105+31.7% | $4,646+44.7% | $4,763+41.1% |
| Participant deferral / active EE | $2,704 | $7,183-62.4% | $6,843-60.5% | $5,983-54.8% |
| Admin fee / account holder | $2,790 | $10,811-74.2% | $9,312-70.0% | $11,252-75.2% |