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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 | $189,281 | $99,011+91.2% | $86,582+118.6% | $147,586+28.3% |
| Participation rate | 66.7% | 76.3%-9.7pp | 73.5%-6.9pp | 82.8%-16.2pp |
| Annual return | -0.01% | 1312.75%-1312.8pp | 965.08%-965.1pp | 578.59%-578.6pp |
| Employer contribution / active EE | $8,429 | $3,132+169.1% | $2,839+196.9% | $4,876+72.9% |
| Participant deferral / active EE | $12,000 | $3,972+202.1% | $3,609+232.5% | $5,439+120.6% |
| Admin fee / account holder | $539 | $5,709-90.6% | $4,904-89.0% | $10,886-95.0% |