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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 | $59,106 | $180,459-67.2% | $154,108-61.6% | $135,380-56.3% |
| Participation rate | 66.7% | 87.4%-20.8pp | 83.0%-16.4pp | 82.6%-16.0pp |
| Annual return | -10.46% | 888.21%-898.7pp | 735.21%-745.7pp | 519.81%-530.3pp |
| Employer contribution / active EE | $4,453 | $6,035-26.2% | $5,298-15.9% | $4,779-6.8% |
| Participant deferral / active EE | $4,483 | $5,806-22.8% | $5,081-11.8% | $5,609-20.1% |
| Admin fee / account holder | $618 | $16,145-96.2% | $13,411-95.4% | $10,828-94.3% |