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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 | $85,922 | $147,727-41.8% | $115,756-25.8% | $134,545-36.1% |
| Participation rate | 57.1% | 80.4%-23.3pp | 77.1%-19.9pp | 81.2%-24.1pp |
| Annual return | -25.88% | 73.96%-99.8pp | 143.14%-169.0pp | 418.37%-444.2pp |
| Employer contribution / active EE | $2,852 | $4,713-39.5% | $3,793-24.8% | $4,742-39.8% |
| Participant deferral / active EE | $6,736 | $7,563-10.9% | $6,254+7.7% | $6,401+5.2% |
| Admin fee / account holder | $859 | $14,571-94.1% | $8,124-89.4% | $11,431-92.5% |