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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 | $99,630 | $95,979+3.8% | $74,551+33.6% | $135,380-26.4% |
| Participation rate | 50.0% | 75.7%-25.7pp | 69.1%-19.1pp | 82.6%-32.6pp |
| Annual return | -9.57% | 56.97%-66.5pp | 32.53%-42.1pp | 519.81%-529.4pp |
| Employer contribution / active EE | $3,431 | $2,716+26.3% | $1,961+75.0% | $4,779-28.2% |
| Participant deferral / active EE | $12,000 | $3,844+212.2% | $3,108+286.1% | $5,609+113.9% |
| Admin fee / account holder | $636 | $6,522-90.2% | $5,059-87.4% | $10,828-94.1% |