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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 | $92,875 | $147,727-37.1% | $115,756-19.8% | $134,545-31.0% |
| Participation rate | 60.0% | 80.4%-20.4pp | 77.1%-17.1pp | 81.2%-21.2pp |
| Annual return | -21.45% | 73.96%-95.4pp | 143.14%-164.6pp | 418.37%-439.8pp |
| Employer contribution / active EE | $2,615 | $4,713-44.5% | $3,793-31.0% | $4,742-44.8% |
| Participant deferral / active EE | $9,717 | $7,563+28.5% | $6,254+55.4% | $6,401+51.8% |
| Admin fee / account holder | $970 | $14,571-93.3% | $8,124-88.1% | $11,431-91.5% |