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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 | $184,727 | $95,188+94.1% | $76,518+141.4% | $135,380+36.5% |
| Participation rate | 33.3% | 74.4%-41.1pp | 68.0%-34.7pp | 82.6%-49.3pp |
| Annual return | -10.93% | 4.85%-15.8pp | -0.27%-10.7pp | 519.81%-530.7pp |
| Employer contribution / active EE | $9,353 | $3,303+183.2% | $2,647+253.3% | $4,779+95.7% |
| Participant deferral / active EE | $6,139 | $4,640+32.3% | $3,836+60.0% | $5,609+9.4% |
| Admin fee / account holder | $406 | $6,249-93.5% | $4,849-91.6% | $10,828-96.3% |