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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 | $50,252 | $138,114-63.6% | $125,391-59.9% | $134,545-62.7% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -21.11% | 750.88%-772.0pp | 572.41%-593.5pp | 418.37%-439.5pp |
| Employer contribution / active EE | $1,847 | $5,246-64.8% | $4,816-61.7% | $4,742-61.1% |
| Participant deferral / active EE | $6,008 | $7,801-23.0% | $7,448-19.3% | $6,401-6.1% |
| Admin fee / account holder | $2,220 | $11,570-80.8% | $10,009-77.8% | $11,431-80.6% |