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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 | $124,929 | $88,754+40.8% | $81,820+52.7% | $145,877-14.4% |
| Participation rate | 66.7% | 75.1%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 8.18% | 1031.77%-1023.6pp | 777.93%-769.7pp | 551.28%-543.1pp |
| Employer contribution / active EE | $1,037 | $3,085-66.4% | $2,915-64.4% | $4,663-77.8% |
| Participant deferral / active EE | $1,653 | $4,648-64.4% | $4,323-61.8% | $6,691-75.3% |
| Admin fee / account holder | $33,714 | $8,424+300.2% | $7,391+356.2% | $13,402+151.6% |