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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 | $134,956 | $138,102-2.3% | $125,381+7.6% | $134,532+0.3% |
| Participation rate | 25.0% | 84.5%-59.5pp | 82.4%-57.4pp | 81.2%-56.2pp |
| Annual return | -25.91% | 750.73%-776.6pp | 572.31%-598.2pp | 418.27%-444.2pp |
| Employer contribution / active EE | $2,662 | $5,245-49.3% | $4,815-44.7% | $4,741-43.9% |
| Participant deferral / active EE | $6,750 | $7,801-13.5% | $7,448-9.4% | $6,401+5.5% |
| Admin fee / account holder | $6,392 | $11,568-44.7% | $10,007-36.1% | $11,429-44.1% |