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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 | $43,676 | $138,102-68.4% | $125,381-65.2% | $134,532-67.5% |
| Participation rate | 58.3% | 84.5%-26.2pp | 82.4%-24.0pp | 81.2%-22.9pp |
| Annual return | -21.87% | 750.73%-772.6pp | 572.31%-594.2pp | 418.27%-440.1pp |
| Employer contribution / active EE | $1,834 | $5,245-65.0% | $4,815-61.9% | $4,741-61.3% |
| Participant deferral / active EE | $3,994 | $7,801-48.8% | $7,448-46.4% | $6,401-37.6% |
| Admin fee / account holder | $510 | $11,568-95.6% | $10,007-94.9% | $11,429-95.5% |