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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 | $85,864 | $138,102-37.8% | $125,381-31.5% | $134,532-36.2% |
| Participation rate | 60.0% | 84.5%-24.5pp | 82.4%-22.4pp | 81.2%-21.2pp |
| Annual return | -21.59% | 750.73%-772.3pp | 572.31%-593.9pp | 418.27%-439.9pp |
| Employer contribution / active EE | $2,693 | $5,245-48.7% | $4,815-44.1% | $4,741-43.2% |
| Participant deferral / active EE | $5,977 | $7,801-23.4% | $7,448-19.7% | $6,401-6.6% |
| Admin fee / account holder | $764 | $11,568-93.4% | $10,007-92.4% | $11,429-93.3% |