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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 | $95,594 | $96,388-0.8% | $80,627+18.6% | $139,466-31.5% |
| Participation rate | 58.3% | 73.6%-15.3pp | 67.0%-8.7pp | 80.3%-22.0pp |
| Annual return | -9.95% | 1352.08%-1362.0pp | 936.76%-946.7pp | 373.66%-383.6pp |
| Employer contribution / active EE | $2,166 | $3,260-33.5% | $2,723-20.4% | $4,754-54.4% |
| Participant deferral / active EE | $3,774 | $5,224-27.8% | $4,443-15.0% | $6,712-43.8% |
| Admin fee / account holder | $4,707 | $6,603-28.7% | $5,381-12.5% | $11,409-58.7% |