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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 | $240,666 | $180,466+33.4% | $154,114+56.2% | $135,382+77.8% |
| Participation rate | 50.0% | 87.4%-37.4pp | 83.0%-33.0pp | 82.6%-32.6pp |
| Annual return | -10.97% | 888.15%-899.1pp | 735.16%-746.1pp | 519.77%-530.7pp |
| Employer contribution / active EE | $3,600 | $6,035-40.4% | $5,298-32.0% | $4,779-24.7% |
| Participant deferral / active EE | $12,250 | $5,806+111.0% | $5,081+141.1% | $5,609+118.4% |
| Admin fee / account holder | $1,165 | $16,144-92.8% | $13,411-91.3% | $10,829-89.2% |