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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 | $140,211 | $217,432-35.5% | $185,851-24.6% | $167,553-16.3% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | -34.06% | 148.43%-182.5pp | 122.11%-156.2pp | 478.89%-513.0pp |
| Employer contribution / active EE | $18,358 | $5,874+212.5% | $5,168+255.2% | $4,840+279.3% |
| Participant deferral / active EE | $12,249 | $6,357+92.7% | $5,569+120.0% | $6,343+93.1% |
| Admin fee / account holder | $1,339 | $19,820-93.2% | $16,245-91.8% | $12,316-89.1% |