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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 | $65,966 | $138,102-52.2% | $125,381-47.4% | $134,532-51.0% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -29.05% | 750.73%-779.8pp | 572.31%-601.4pp | 418.27%-447.3pp |
| Employer contribution / active EE | $14,024 | $5,245+167.4% | $4,815+191.2% | $4,741+195.8% |
| Participant deferral / active EE | $9,000 | $7,801+15.4% | $7,448+20.8% | $6,401+40.6% |
| Admin fee / account holder | $709 | $11,568-93.9% | $10,007-92.9% | $11,429-93.8% |