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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 | $58,572 | $138,076-57.6% | $123,553-52.6% | $135,380-56.7% |
| Participation rate | 36.4% | 84.7%-48.4pp | 82.3%-45.9pp | 82.6%-46.3pp |
| Annual return | -13.27% | 153.70%-167.0pp | 119.21%-132.5pp | 519.81%-533.1pp |
| Employer contribution / active EE | $1,760 | $5,152-65.8% | $4,628-62.0% | $4,779-63.2% |
| Participant deferral / active EE | $5,178 | $6,800-23.9% | $6,426-19.4% | $5,609-7.7% |
| Admin fee / account holder | $1,554 | $10,917-85.8% | $9,284-83.3% | $10,828-85.7% |