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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 | $52,417 | $183,592-71.4% | $155,567-66.3% | $145,959-64.1% |
| Participation rate | 56.3% | 82.7%-26.4pp | 78.2%-21.9pp | 80.3%-24.0pp |
| Annual return | -4.49% | 61.24%-65.7pp | 64.74%-69.2pp | 561.95%-566.4pp |
| Employer contribution / active EE | $1,505 | $5,315-71.7% | $4,674-67.8% | $4,661-67.7% |
| Participant deferral / active EE | $4,665 | $6,464-27.8% | $5,628-17.1% | $6,689-30.3% |
| Admin fee / account holder | $2,969 | $19,318-84.6% | $15,916-81.3% | $13,398-77.8% |