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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 | $99,124 | $138,076-28.2% | $123,553-19.8% | $135,380-26.8% |
| Participation rate | 50.0% | 84.7%-34.7pp | 82.3%-32.3pp | 82.6%-32.6pp |
| Annual return | -9.71% | 153.70%-163.4pp | 119.21%-128.9pp | 519.81%-529.5pp |
| Employer contribution / active EE | $3,110 | $5,152-39.6% | $4,628-32.8% | $4,779-34.9% |
| Participant deferral / active EE | $8,244 | $6,800+21.2% | $6,426+28.3% | $5,609+47.0% |
| Admin fee / account holder | $395 | $10,917-96.4% | $9,284-95.7% | $10,828-96.4% |