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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 | $97,789 | $103,008-5.1% | $90,304+8.3% | $152,897-36.0% |
| Participation rate | 66.7% | 75.9%-9.2pp | 73.3%-6.6pp | 82.5%-15.8pp |
| Annual return | -0.15% | 95.22%-95.4pp | 78.13%-78.3pp | 345.43%-345.6pp |
| Employer contribution / active EE | $3,400 | $3,139+8.3% | $2,855+19.1% | $4,764-28.6% |
| Participant deferral / active EE | $8,333 | $4,281+94.6% | $3,885+114.5% | $5,851+42.4% |
| Admin fee / account holder | $955 | $6,175-84.5% | $5,354-82.2% | $11,599-91.8% |