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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 | $143,777 | $138,076+4.1% | $123,553+16.4% | $135,380+6.2% |
| Participation rate | 50.0% | 84.7%-34.7pp | 82.3%-32.3pp | 82.6%-32.6pp |
| Annual return | -9.44% | 153.70%-163.1pp | 119.21%-128.6pp | 519.81%-529.2pp |
| Employer contribution / active EE | $2,610 | $5,152-49.3% | $4,628-43.6% | $4,779-45.4% |
| Participant deferral / active EE | $3,747 | $6,800-44.9% | $6,426-41.7% | $5,609-33.2% |
| Admin fee / account holder | $1,847 | $10,917-83.1% | $9,284-80.1% | $10,828-82.9% |