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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 | $47,005 | $115,810-59.4% | $101,271-53.6% | $158,966-70.4% |
| Participation rate | 66.7% | 79.4%-12.7pp | 75.8%-9.1pp | 82.0%-15.3pp |
| Annual return | -11.99% | 56.15%-68.1pp | 46.48%-58.5pp | 302.95%-314.9pp |
| Employer contribution / active EE | $1,614 | $4,175-61.4% | $3,660-55.9% | $4,762-66.1% |
| Participant deferral / active EE | $3,123 | $4,958-37.0% | $4,371-28.5% | $5,983-47.8% |
| Admin fee / account holder | $2,391 | $7,248-67.0% | $5,948-59.8% | $11,250-78.7% |