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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 | $63,906 | $138,114-53.7% | $125,391-49.0% | $134,545-52.5% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -20.95% | 750.88%-771.8pp | 572.41%-593.4pp | 418.37%-439.3pp |
| Employer contribution / active EE | $2,587 | $5,246-50.7% | $4,816-46.3% | $4,742-45.4% |
| Participant deferral / active EE | $6,376 | $7,801-18.3% | $7,448-14.4% | $6,401-0.4% |
| Admin fee / account holder | $5,465 | $11,570-52.8% | $10,009-45.4% | $11,431-52.2% |