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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 | $35,554 | $180,459-80.3% | $154,108-76.9% | $135,380-73.7% |
| Participation rate | 60.0% | 87.4%-27.4pp | 83.0%-23.0pp | 82.6%-22.6pp |
| Annual return | -10.19% | 888.21%-898.4pp | 735.21%-745.4pp | 519.81%-530.0pp |
| Employer contribution / active EE | $1,277 | $6,035-78.8% | $5,298-75.9% | $4,779-73.3% |
| Participant deferral / active EE | $4,206 | $5,806-27.6% | $5,081-17.2% | $5,609-25.0% |
| Admin fee / account holder | $3,862 | $16,145-76.1% | $13,411-71.2% | $10,828-64.3% |