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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 | $144,636 | $99,644+45.2% | $86,438+67.3% | $134,532+7.5% |
| Participation rate | 50.0% | 82.1%-32.1pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -21.08% | 6787.26%-6808.3pp | 4397.19%-4418.3pp | 418.27%-439.3pp |
| Employer contribution / active EE | $17,400 | $4,402+295.3% | $3,769+361.6% | $4,741+267.0% |
| Participant deferral / active EE | $26,000 | $7,247+258.7% | $6,952+274.0% | $6,401+306.2% |
| Admin fee / account holder | $43,625 | $8,375+420.9% | $6,733+547.9% | $11,429+281.7% |