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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 | $61,884 | $97,729-36.7% | $83,830-26.2% | $135,379-54.3% |
| Participation rate | 69.2% | 80.0%-10.7pp | 76.1%-6.9pp | 82.6%-13.4pp |
| Annual return | -9.81% | 1287.52%-1297.3pp | 850.97%-860.8pp | 519.79%-529.6pp |
| Employer contribution / active EE | $2,590 | $4,222-38.6% | $3,631-28.7% | $4,779-45.8% |
| Participant deferral / active EE | $5,643 | $4,683+20.5% | $4,082+38.2% | $5,609+0.6% |
| Admin fee / account holder | $1,223 | $6,674-81.7% | $5,479-77.7% | $10,828-88.7% |