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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 | $50,478 | $180,459-72.0% | $154,108-67.2% | $135,380-62.7% |
| Participation rate | 25.0% | 87.4%-62.4pp | 83.0%-58.0pp | 82.6%-57.6pp |
| Annual return | -11.88% | 888.21%-900.1pp | 735.21%-747.1pp | 519.81%-531.7pp |
| Employer contribution / active EE | $2,533 | $6,035-58.0% | $5,298-52.2% | $4,779-47.0% |
| Participant deferral / active EE | $2,250 | $5,806-61.2% | $5,081-55.7% | $5,609-59.9% |
| Admin fee / account holder | $548 | $16,145-96.6% | $13,411-95.9% | $10,828-94.9% |