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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 | $114,708 | $150,447-23.8% | $136,298-15.8% | $147,586-22.3% |
| Participation rate | 66.7% | 84.4%-17.8pp | 81.9%-15.3pp | 82.8%-16.2pp |
| Annual return | 8.32% | 1049.15%-1040.8pp | 5156.27%-5147.9pp | 578.59%-570.3pp |
| Employer contribution / active EE | $10,820 | $5,256+105.8% | $4,696+130.4% | $4,876+121.9% |
| Participant deferral / active EE | $16,000 | $6,631+141.3% | $6,247+156.1% | $5,439+194.2% |
| Admin fee / account holder | $921 | $10,906-91.6% | $9,244-90.0% | $10,886-91.5% |