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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 | $83,860 | $105,158-20.3% | $94,672-11.4% | $139,487-39.9% |
| Participation rate | 66.7% | 82.4%-15.7pp | 80.8%-14.2pp | 80.3%-13.7pp |
| Annual return | -57.02% | 38.11%-95.1pp | 156.89%-213.9pp | 373.84%-430.9pp |
| Employer contribution / active EE | $2,623 | $4,107-36.1% | $3,673-28.6% | $4,755-44.8% |
| Participant deferral / active EE | $8,698 | $7,599+14.5% | $7,417+17.3% | $6,713+29.6% |
| Admin fee / account holder | $107,527 | $8,972+1098.5% | $7,222+1388.9% | $11,407+842.6% |