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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 | $87,416 | $168,635-48.2% | $147,617-40.8% | $125,389-30.3% |
| Participation rate | 60.0% | 88.8%-28.8pp | 84.6%-24.6pp | 83.2%-23.2pp |
| Annual return | -14.57% | 77.65%-92.2pp | 61.98%-76.6pp | 282.24%-296.8pp |
| Employer contribution / active EE | $3,339 | $6,252-46.6% | $5,564-40.0% | $4,866-31.4% |
| Participant deferral / active EE | $0 | $5,507-100.0% | $4,895-100.0% | $5,352-100.0% |
| Admin fee / account holder | $1,194 | $13,580-91.2% | $11,612-89.7% | $9,541-87.5% |