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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 | $80,322 | $121,677-34.0% | $104,625-23.2% | $158,966-49.5% |
| Participation rate | 50.0% | 77.5%-27.5pp | 74.1%-24.1pp | 82.0%-32.0pp |
| Annual return | -18.31% | 465.58%-483.9pp | 340.60%-358.9pp | 302.95%-321.3pp |
| Employer contribution / active EE | $1,270 | $3,165-59.9% | $2,681-52.6% | $4,762-73.3% |
| Participant deferral / active EE | $1,470 | $4,175-64.8% | $3,738-60.7% | $5,983-75.4% |
| Admin fee / account holder | $829 | $7,777-89.3% | $6,465-87.2% | $11,250-92.6% |