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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 | $52,689 | $138,114-61.9% | $125,391-58.0% | $134,545-60.8% |
| Participation rate | 60.0% | 84.5%-24.5pp | 82.4%-22.4pp | 81.2%-21.2pp |
| Annual return | -21.21% | 750.88%-772.1pp | 572.41%-593.6pp | 418.37%-439.6pp |
| Employer contribution / active EE | $2,870 | $5,246-45.3% | $4,816-40.4% | $4,742-39.5% |
| Participant deferral / active EE | $11,448 | $7,801+46.7% | $7,448+53.7% | $6,401+78.8% |
| Admin fee / account holder | $413 | $11,570-96.4% | $10,009-95.9% | $11,431-96.4% |