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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 | $55,721 | $138,068-59.6% | $125,358-55.6% | $134,493-58.6% |
| Participation rate | 40.0% | 84.5%-44.5pp | 82.4%-42.4pp | 81.2%-41.2pp |
| Annual return | -26.72% | 750.30%-777.0pp | 572.03%-598.7pp | 418.01%-444.7pp |
| Employer contribution / active EE | $1,451 | $5,244-72.3% | $4,814-69.9% | $4,740-69.4% |
| Participant deferral / active EE | $5,936 | $7,799-23.9% | $7,447-20.3% | $6,400-7.2% |
| Admin fee / account holder | $11,312 | $11,568-2.2% | $10,007+13.0% | $11,425-1.0% |