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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 | $69,226 | $97,729-29.2% | $83,830-17.4% | $135,379-48.9% |
| Participation rate | 59.1% | 80.0%-20.9pp | 76.1%-17.1pp | 82.6%-23.6pp |
| Annual return | -10.05% | 1287.52%-1297.6pp | 850.97%-861.0pp | 519.79%-529.8pp |
| Employer contribution / active EE | $1,813 | $4,222-57.1% | $3,631-50.1% | $4,779-62.1% |
| Participant deferral / active EE | $4,088 | $4,683-12.7% | $4,082+0.2% | $5,609-27.1% |
| Admin fee / account holder | $5,072 | $6,674-24.0% | $5,479-7.4% | $10,828-53.2% |