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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 | $56,497 | $138,076-59.1% | $123,553-54.3% | $135,380-58.3% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -11.26% | 153.70%-165.0pp | 119.21%-130.5pp | 519.81%-531.1pp |
| Employer contribution / active EE | $3,532 | $5,152-31.4% | $4,628-23.7% | $4,779-26.1% |
| Participant deferral / active EE | $5,255 | $6,800-22.7% | $6,426-18.2% | $5,609-6.3% |
| Admin fee / account holder | $616 | $10,917-94.4% | $9,284-93.4% | $10,828-94.3% |