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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 | $243,561 | $88,778+174.3% | $81,844+197.6% | $145,884+67.0% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 7.58% | 1033.03%-1025.5pp | 778.87%-771.3pp | 551.85%-544.3pp |
| Employer contribution / active EE | $985 | $3,087-68.1% | $2,916-66.2% | $4,662-78.9% |
| Participant deferral / active EE | $699 | $4,648-85.0% | $4,323-83.8% | $6,690-89.6% |
| Admin fee / account holder | $42,251 | $8,430+401.2% | $7,355+474.4% | $13,392+215.5% |