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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 | $93,851 | $57,305+63.8% | $86,640+8.3% | $75,173+24.8% |
| Participation rate | 58.5% | 63.2%-4.7pp | 71.7%-13.2pp | 67.2%-8.7pp |
| Annual return | -0.34% | 2674.24%-2674.6pp | 592.52%-592.9pp | 160.72%-161.1pp |
| Employer contribution / active EE | $1,780 | $2,316-23.2% | $3,024-41.2% | $2,671-33.4% |
| Participant deferral / active EE | $3,186 | $3,320-4.0% | $4,438-28.2% | $4,126-22.8% |
| Admin fee / account holder | $1,654 | $4,116-59.8% | $5,616-70.6% | $5,651-70.7% |