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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 | $68,833 | $138,078-50.1% | $125,363-45.1% | $134,509-48.8% |
| Participation rate | 52.9% | 84.5%-31.6pp | 82.4%-29.4pp | 81.2%-28.3pp |
| Annual return | -21.47% | 750.49%-772.0pp | 572.15%-593.6pp | 418.13%-439.6pp |
| Employer contribution / active EE | $2,692 | $5,245-48.7% | $4,815-44.1% | $4,741-43.2% |
| Participant deferral / active EE | $2,726 | $7,800-65.0% | $7,447-63.4% | $6,400-57.4% |
| Admin fee / account holder | $1,327 | $11,566-88.5% | $10,005-86.7% | $11,427-88.4% |