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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 | $108,899 | $96,678+12.6% | $86,640+25.7% | $139,466-21.9% |
| Participation rate | 60.0% | 74.4%-14.4pp | 71.7%-11.7pp | 80.3%-20.3pp |
| Annual return | 9.21% | 106.69%-97.5pp | 592.52%-583.3pp | 373.66%-364.5pp |
| Employer contribution / active EE | $0 | $3,265-100.0% | $3,024-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $5,658 | $4,837+17.0% | $4,438+27.5% | $6,712-15.7% |
| Admin fee / account holder | $16,933 | $6,410+164.2% | $5,616+201.5% | $11,409+48.4% |