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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 | $68,060 | $198,457-65.7% | $170,435-60.1% | $147,586-53.9% |
| Participation rate | 42.9% | 88.0%-45.1pp | 83.6%-40.7pp | 82.8%-40.0pp |
| Annual return | -36.89% | 257.30%-294.2pp | 205.94%-242.8pp | 578.59%-615.5pp |
| Employer contribution / active EE | $3,536 | $6,183-42.8% | $5,432-34.9% | $4,876-27.5% |
| Participant deferral / active EE | $2,999 | $5,629-46.7% | $4,939-39.3% | $5,439-44.9% |
| Admin fee / account holder | $15,863 | $16,852-5.9% | $13,881+14.3% | $10,886+45.7% |