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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 | $45,096 | $168,636-73.3% | $147,618-69.5% | $125,388-64.0% |
| Participation rate | 50.0% | 88.8%-38.8pp | 84.6%-34.6pp | 83.2%-33.2pp |
| Annual return | -4.03% | 77.65%-81.7pp | 61.98%-66.0pp | 282.24%-286.3pp |
| Employer contribution / active EE | $11,296 | $6,252+80.7% | $5,565+103.0% | $4,866+132.1% |
| Participant deferral / active EE | $9,330 | $5,507+69.4% | $4,895+90.6% | $5,352+74.3% |
| Admin fee / account holder | $1,989 | $13,580-85.4% | $11,612-82.9% | $9,541-79.1% |