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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 | $24,815 | $138,078-82.0% | $125,363-80.2% | $134,509-81.6% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -21.39% | 750.49%-771.9pp | 572.15%-593.5pp | 418.13%-439.5pp |
| Employer contribution / active EE | $5,310 | $5,245+1.2% | $4,815+10.3% | $4,741+12.0% |
| Participant deferral / active EE | $5,803 | $7,800-25.6% | $7,447-22.1% | $6,400-9.3% |
| Admin fee / account holder | $1,596 | $11,566-86.2% | $10,005-84.0% | $11,427-86.0% |