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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 | $118,848 | $176,120-32.5% | $159,487-25.5% | $167,553-29.1% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 9.93% | 331.95%-322.0pp | 263.71%-253.8pp | 478.89%-469.0pp |
| Employer contribution / active EE | $4,309 | $5,299-18.7% | $4,831-10.8% | $4,840-11.0% |
| Participant deferral / active EE | $11,681 | $7,752+50.7% | $7,354+58.8% | $6,343+84.2% |
| Admin fee / account holder | $36,881 | $12,561+193.6% | $10,804+241.4% | $12,316+199.4% |