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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 | $178,481 | $180,462-1.1% | $154,111+15.8% | $135,379+31.8% |
| Participation rate | 57.1% | 87.4%-30.3pp | 83.0%-25.9pp | 82.6%-25.5pp |
| Annual return | -8.89% | 888.17%-897.1pp | 735.18%-744.1pp | 519.79%-528.7pp |
| Employer contribution / active EE | $3,684 | $6,036-39.0% | $5,298-30.5% | $4,779-22.9% |
| Participant deferral / active EE | $6,753 | $5,806+16.3% | $5,081+32.9% | $5,609+20.4% |
| Admin fee / account holder | $9,121 | $16,145-43.5% | $13,411-32.0% | $10,828-15.8% |