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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 | $26,639 | $138,078-80.7% | $125,363-78.8% | $134,509-80.2% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -20.88% | 750.49%-771.4pp | 572.15%-593.0pp | 418.13%-439.0pp |
| Employer contribution / active EE | $2,518 | $5,245-52.0% | $4,815-47.7% | $4,741-46.9% |
| Participant deferral / active EE | $7,476 | $7,800-4.2% | $7,447+0.4% | $6,400+16.8% |
| Admin fee / account holder | $7,883 | $11,566-31.8% | $10,005-21.2% | $11,427-31.0% |