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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 | $27,615 | $150,447-81.6% | $136,298-79.7% | $147,586-81.3% |
| Participation rate | 66.7% | 84.4%-17.8pp | 81.9%-15.3pp | 82.8%-16.2pp |
| Annual return | 9.73% | 1049.15%-1039.4pp | 5156.27%-5146.5pp | 578.59%-568.9pp |
| Employer contribution / active EE | $2,528 | $5,256-51.9% | $4,696-46.2% | $4,876-48.2% |
| Participant deferral / active EE | $2,709 | $6,631-59.1% | $6,247-56.6% | $5,439-50.2% |
| Admin fee / account holder | $27,746 | $10,906+154.4% | $9,244+200.2% | $10,886+154.9% |