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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 | $75,669 | $92,684-18.4% | $82,706-8.5% | $134,509-43.7% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 81.2%-31.2pp |
| Annual return | -21.21% | 945.84%-967.1pp | 701.76%-723.0pp | 418.13%-439.3pp |
| Employer contribution / active EE | $3,172 | $3,272-3.1% | $3,007+5.5% | $4,741-33.1% |
| Participant deferral / active EE | $2,265 | $4,800-52.8% | $4,394-48.4% | $6,400-64.6% |
| Admin fee / account holder | $803 | $5,982-86.6% | $5,329-84.9% | $11,427-93.0% |