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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 | $105,931 | $150,447-29.6% | $136,298-22.3% | $147,586-28.2% |
| Participation rate | 66.7% | 84.4%-17.8pp | 81.9%-15.3pp | 82.8%-16.2pp |
| Annual return | 9.45% | 1049.15%-1039.7pp | 5156.27%-5146.8pp | 578.59%-569.1pp |
| Employer contribution / active EE | $12,765 | $5,256+142.8% | $4,696+171.8% | $4,876+161.8% |
| Participant deferral / active EE | $2,907 | $6,631-56.2% | $6,247-53.5% | $5,439-46.6% |
| Admin fee / account holder | $927 | $10,906-91.5% | $9,244-90.0% | $10,886-91.5% |