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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 | $221,989 | $209,425+6.0% | $178,499+24.4% | $158,966+39.6% |
| Participation rate | 36.4% | 86.4%-50.0pp | 81.9%-45.6pp | 82.0%-45.6pp |
| Annual return | -2.35% | 188.80%-191.1pp | 151.10%-153.5pp | 302.95%-305.3pp |
| Employer contribution / active EE | $3,388 | $5,707-40.6% | $5,011-32.4% | $4,762-28.9% |
| Participant deferral / active EE | $6,158 | $5,955+3.4% | $5,202+18.4% | $5,983+2.9% |
| Admin fee / account holder | $26,272 | $17,078+53.8% | $13,986+87.8% | $11,250+133.5% |