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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 | $77,119 | $198,457-61.1% | $170,435-54.8% | $147,586-47.7% |
| Participation rate | 33.3% | 88.0%-54.6pp | 83.6%-50.3pp | 82.8%-49.5pp |
| Annual return | -1.04% | 257.30%-258.3pp | 205.94%-207.0pp | 578.59%-579.6pp |
| Employer contribution / active EE | $1,507 | $6,183-75.6% | $5,432-72.3% | $4,876-69.1% |
| Participant deferral / active EE | $5,080 | $5,629-9.8% | $4,939+2.9% | $5,439-6.6% |
| Admin fee / account holder | $643 | $16,852-96.2% | $13,881-95.4% | $10,886-94.1% |