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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 | $150,700 | $160,070-5.9% | $147,117+2.4% | $145,897+3.3% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 8.68% | 98.69%-90.0pp | 420.54%-411.9pp | 552.29%-543.6pp |
| Employer contribution / active EE | $3,806 | $5,285-28.0% | $4,932-22.8% | $4,663-18.4% |
| Participant deferral / active EE | $10,287 | $8,419+22.2% | $8,065+27.6% | $6,689+53.8% |
| Admin fee / account holder | $42,244 | $15,035+181.0% | $12,993+225.1% | $13,390+215.5% |