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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 | $47,758 | $109,411-56.3% | $89,435-46.6% | $158,982-70.0% |
| Participation rate | 66.7% | 74.3%-7.6pp | 68.0%-1.3pp | 82.0%-15.3pp |
| Annual return | -9.61% | 345.68%-355.3pp | 245.55%-255.2pp | 302.99%-312.6pp |
| Employer contribution / active EE | $1,825 | $3,173-42.5% | $2,587-29.5% | $4,763-61.7% |
| Participant deferral / active EE | $2,371 | $4,600-48.5% | $3,890-39.1% | $5,983-60.4% |
| Admin fee / account holder | $2,646 | $6,159-57.0% | $4,884-45.8% | $11,252-76.5% |