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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 | $25,890 | $88,710-70.8% | $81,783-68.3% | $145,959-82.3% |
| Participation rate | 63.6% | 75.0%-11.4pp | 72.4%-8.7pp | 80.3%-16.6pp |
| Annual return | 6.96% | 1027.26%-1020.3pp | 775.05%-768.1pp | 561.95%-555.0pp |
| Employer contribution / active EE | $2,398 | $3,083-22.2% | $2,913-17.7% | $4,661-48.5% |
| Participant deferral / active EE | $885 | $4,645-81.0% | $4,320-79.5% | $6,689-86.8% |
| Admin fee / account holder | $19,348 | $8,407+130.1% | $7,380+162.2% | $13,398+44.4% |