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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 | $39,544 | $180,459-78.1% | $154,108-74.3% | $135,380-70.8% |
| Participation rate | 37.5% | 87.4%-49.9pp | 83.0%-45.5pp | 82.6%-45.1pp |
| Annual return | -10.42% | 888.21%-898.6pp | 735.21%-745.6pp | 519.81%-530.2pp |
| Employer contribution / active EE | $10,983 | $6,035+82.0% | $5,298+107.3% | $4,779+129.8% |
| Participant deferral / active EE | $9,125 | $5,806+57.2% | $5,081+79.6% | $5,609+62.7% |
| Admin fee / account holder | $403 | $16,145-97.5% | $13,411-97.0% | $10,828-96.3% |