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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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,138 | $101,539-53.6% | $147,041-67.9% | $74,400-36.6% |
| Participation rate | 62.9% | 75.5%-12.6pp | 82.2%-19.2pp | 67.2%-4.3pp |
| Annual return | 19.11% | 8740.84%-8721.7pp | 419.21%-400.1pp | 1367.51%-1348.4pp |
| Employer contribution / active EE | $1,948 | $3,811-48.9% | $4,935-60.5% | $2,624-25.8% |
| Participant deferral / active EE | $4,509 | $7,304-38.3% | $8,071-44.1% | $4,348+3.7% |
| Admin fee / account holder | $447 | $1,749-74.5% | $13,006-96.6% | $1,944-77.0% |