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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 | $123,465 | $92,743+33.1% | $82,744+49.2% | $134,532-8.2% |
| Participation rate | 69.2% | 75.2%-6.0pp | 72.6%-3.3pp | 81.2%-12.0pp |
| Annual return | -22.68% | 946.63%-969.3pp | 702.22%-724.9pp | 418.27%-440.9pp |
| Employer contribution / active EE | $2,401 | $3,273-26.6% | $3,008-20.2% | $4,741-49.4% |
| Participant deferral / active EE | $6,391 | $4,802+33.1% | $4,395+45.4% | $6,401-0.2% |
| Admin fee / account holder | $1,559 | $5,977-73.9% | $5,325-70.7% | $11,429-86.4% |