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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 | $107,040 | $198,457-46.1% | $170,435-37.2% | $147,586-27.5% |
| Participation rate | 25.0% | 88.0%-63.0pp | 83.6%-58.6pp | 82.8%-57.8pp |
| Annual return | 0.55% | 257.30%-256.7pp | 205.94%-205.4pp | 578.59%-578.0pp |
| Employer contribution / active EE | $9,501 | $6,183+53.7% | $5,432+74.9% | $4,876+94.8% |
| Participant deferral / active EE | $6,000 | $5,629+6.6% | $4,939+21.5% | $5,439+10.3% |
| Admin fee / account holder | $680 | $16,852-96.0% | $13,881-95.1% | $10,886-93.8% |