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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 | $58,846 | $135,645-56.6% | $110,243-46.6% | $135,379-56.5% |
| Participation rate | 66.7% | 83.5%-16.8pp | 79.8%-13.2pp | 82.6%-16.0pp |
| Annual return | -10.34% | 513.24%-523.6pp | 314.76%-325.1pp | 519.79%-530.1pp |
| Employer contribution / active EE | $15,549 | $4,907+216.9% | $3,827+306.3% | $4,779+225.4% |
| Participant deferral / active EE | $12,500 | $5,507+127.0% | $4,672+167.5% | $5,609+122.9% |
| Admin fee / account holder | $1,126 | $11,458-90.2% | $8,548-86.8% | $10,828-89.6% |