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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 | $70,613 | $190,916-63.0% | $160,037-55.9% | $134,545-47.5% |
| Participation rate | 57.1% | 82.0%-24.8pp | 78.0%-20.8pp | 81.2%-24.1pp |
| Annual return | -21.40% | 552.79%-574.2pp | 408.95%-430.4pp | 418.37%-439.8pp |
| Employer contribution / active EE | $1,894 | $4,996-62.1% | $4,226-55.2% | $4,742-60.0% |
| Participant deferral / active EE | $2,136 | $6,925-69.2% | $6,184-65.5% | $6,401-66.6% |
| Admin fee / account holder | $37,270 | $10,497+255.1% | $8,716+327.6% | $11,431+226.1% |