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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 | $83,678 | $84,685-1.2% | $73,836+13.3% | $125,389-33.3% |
| Participation rate | 62.5% | 76.8%-14.3pp | 73.4%-10.9pp | 83.2%-20.7pp |
| Annual return | -4.50% | 3123.80%-3128.3pp | 2268.06%-2272.6pp | 282.24%-286.7pp |
| Employer contribution / active EE | $2,880 | $3,123-7.8% | $2,787+3.3% | $4,866-40.8% |
| Participant deferral / active EE | $7,759 | $3,993+94.3% | $3,583+116.6% | $5,352+45.0% |
| Admin fee / account holder | $2,495 | $5,694-56.2% | $4,882-48.9% | $9,541-73.9% |