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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 | $124,648 | $72,071+73.0% | $68,368+82.3% | $137,256-9.2% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.8%-23.8pp | 80.0%-30.0pp |
| Annual return | -2.85% | 353.14%-356.0pp | 292.57%-295.4pp | 220.34%-223.2pp |
| Employer contribution / active EE | $17,578 | $2,788+530.5% | $2,649+563.6% | $4,156+322.9% |
| Participant deferral / active EE | $12,013 | $4,410+172.4% | $4,123+191.4% | $6,407+87.5% |
| Admin fee / account holder | $101,509 | $5,336+1802.5% | $5,150+1871.1% | $12,270+727.3% |