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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 | $170,104 | $138,114+23.2% | $125,391+35.7% | $134,545+26.4% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -21.11% | 750.88%-772.0pp | 572.41%-593.5pp | 418.37%-439.5pp |
| Employer contribution / active EE | $4,455 | $5,246-15.1% | $4,816-7.5% | $4,742-6.0% |
| Participant deferral / active EE | $9,041 | $7,801+15.9% | $7,448+21.4% | $6,401+41.2% |
| Admin fee / account holder | $26,000 | $11,570+124.7% | $10,009+159.8% | $11,431+127.5% |