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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 | $41,450 | $138,114-70.0% | $125,391-66.9% | $134,545-69.2% |
| Participation rate | 50.0% | 84.5%-34.5pp | 82.4%-32.4pp | 81.2%-31.2pp |
| Annual return | -20.72% | 750.88%-771.6pp | 572.41%-593.1pp | 418.37%-439.1pp |
| Employer contribution / active EE | $6,839 | $5,246+30.4% | $4,816+42.0% | $4,742+44.2% |
| Participant deferral / active EE | $9,829 | $7,801+26.0% | $7,448+32.0% | $6,401+53.5% |
| Admin fee / account holder | $17,349 | $11,570+49.9% | $10,009+73.3% | $11,431+51.8% |