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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 | $116,943 | $138,076-15.3% | $123,553-5.3% | $135,380-13.6% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -11.71% | 153.70%-165.4pp | 119.21%-130.9pp | 519.81%-531.5pp |
| Employer contribution / active EE | $24,375 | $5,152+373.1% | $4,628+426.7% | $4,779+410.0% |
| Participant deferral / active EE | $10,625 | $6,800+56.3% | $6,426+65.3% | $5,609+89.4% |
| Admin fee / account holder | $5,796 | $10,917-46.9% | $9,284-37.6% | $10,828-46.5% |