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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 | $138,114-59.7% | $125,391-55.6% | $134,545-58.6% |
| Participation rate | 40.0% | 84.5%-44.5pp | 82.4%-42.4pp | 81.2%-41.2pp |
| Annual return | -26.72% | 750.88%-777.6pp | 572.41%-599.1pp | 418.37%-445.1pp |
| Employer contribution / active EE | $1,451 | $5,246-72.3% | $4,816-69.9% | $4,742-69.4% |
| Participant deferral / active EE | $5,936 | $7,801-23.9% | $7,448-20.3% | $6,401-7.3% |
| Admin fee / account holder | $11,312 | $11,570-2.2% | $10,009+13.0% | $11,431-1.0% |