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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 | $120,452 | $115,814+4.0% | $101,275+18.9% | $158,982-24.2% |
| Participation rate | 66.7% | 79.4%-12.7pp | 75.8%-9.1pp | 82.0%-15.3pp |
| Annual return | -4.07% | 56.16%-60.2pp | 46.48%-50.6pp | 302.99%-307.1pp |
| Employer contribution / active EE | $882 | $4,176-78.9% | $3,660-75.9% | $4,763-81.5% |
| Participant deferral / active EE | $2,396 | $4,958-51.7% | $4,371-45.2% | $5,983-60.0% |
| Admin fee / account holder | $17,839 | $7,249+146.1% | $5,948+199.9% | $11,252+58.5% |