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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 | $49,209 | $138,114-64.4% | $125,391-60.8% | $134,545-63.4% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -21.47% | 750.88%-772.4pp | 572.41%-593.9pp | 418.37%-439.8pp |
| Employer contribution / active EE | $2,465 | $5,246-53.0% | $4,816-48.8% | $4,742-48.0% |
| Participant deferral / active EE | $5,179 | $7,801-33.6% | $7,448-30.5% | $6,401-19.1% |
| Admin fee / account holder | $1,585 | $11,570-86.3% | $10,009-84.2% | $11,431-86.1% |