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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 | $143,882 | $138,114+4.2% | $125,391+14.7% | $134,545+6.9% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -28.81% | 750.88%-779.7pp | 572.41%-601.2pp | 418.37%-447.2pp |
| Employer contribution / active EE | $7,590 | $5,246+44.7% | $4,816+57.6% | $4,742+60.1% |
| Participant deferral / active EE | $15,833 | $7,801+103.0% | $7,448+112.6% | $6,401+147.3% |
| Admin fee / account holder | $1,913 | $11,570-83.5% | $10,009-80.9% | $11,431-83.3% |