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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 | $57,084 | $160,059-64.3% | $140,019-59.2% | $135,379-57.8% |
| Participation rate | 60.0% | 88.5%-28.5pp | 87.5%-27.5pp | 82.6%-22.6pp |
| Annual return | -10.48% | 911.44%-921.9pp | 651.15%-661.6pp | 519.79%-530.3pp |
| Employer contribution / active EE | $1,664 | $6,420-74.1% | $5,605-70.3% | $4,779-65.2% |
| Participant deferral / active EE | $4,860 | $7,641-36.4% | $6,927-29.8% | $5,609-13.3% |
| Admin fee / account holder | $927 | $13,328-93.0% | $10,705-91.3% | $10,828-91.4% |