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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 | $125,917 | $190,916-34.0% | $160,037-21.3% | $134,545-6.4% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.0%-11.3pp | 81.2%-14.6pp |
| Annual return | -22.75% | 552.79%-575.5pp | 408.95%-431.7pp | 418.37%-441.1pp |
| Employer contribution / active EE | $4,337 | $4,996-13.2% | $4,226+2.6% | $4,742-8.5% |
| Participant deferral / active EE | $4,263 | $6,925-38.4% | $6,184-31.1% | $6,401-33.4% |
| Admin fee / account holder | $1,232 | $10,497-88.3% | $8,716-85.9% | $11,431-89.2% |