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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 | $85,318 | $168,635-49.4% | $147,617-42.2% | $125,389-32.0% |
| Participation rate | 50.0% | 88.8%-38.8pp | 84.6%-34.6pp | 83.2%-33.2pp |
| Annual return | -6.97% | 77.65%-84.6pp | 61.98%-68.9pp | 282.24%-289.2pp |
| Employer contribution / active EE | $3,917 | $6,252-37.3% | $5,564-29.6% | $4,866-19.5% |
| Participant deferral / active EE | $7,777 | $5,507+41.2% | $4,895+58.9% | $5,352+45.3% |
| Admin fee / account holder | $11,551 | $13,580-14.9% | $11,612-0.5% | $9,541+21.1% |