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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 | $22,228 | $138,114-83.9% | $125,391-82.3% | $134,545-83.5% |
| Participation rate | 61.5% | 84.5%-23.0pp | 82.4%-20.8pp | 81.2%-19.7pp |
| Annual return | -30.95% | 750.88%-781.8pp | 572.41%-603.4pp | 418.37%-449.3pp |
| Employer contribution / active EE | $3,522 | $5,246-32.9% | $4,816-26.9% | $4,742-25.7% |
| Participant deferral / active EE | $6,732 | $7,801-13.7% | $7,448-9.6% | $6,401+5.2% |
| Admin fee / account holder | $420 | $11,570-96.4% | $10,009-95.8% | $11,431-96.3% |