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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 | $45,126 | $180,459-75.0% | $154,108-70.7% | $135,380-66.7% |
| Participation rate | 50.0% | 87.4%-37.4pp | 83.0%-33.0pp | 82.6%-32.6pp |
| Annual return | -9.88% | 888.21%-898.1pp | 735.21%-745.1pp | 519.81%-529.7pp |
| Employer contribution / active EE | $1,452 | $6,035-75.9% | $5,298-72.6% | $4,779-69.6% |
| Participant deferral / active EE | $6,392 | $5,806+10.1% | $5,081+25.8% | $5,609+14.0% |
| Admin fee / account holder | $1,884 | $16,145-88.3% | $13,411-85.9% | $10,828-82.6% |