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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 | $118,870 | $104,953+13.3% | $84,637+40.4% | $152,909-22.3% |
| Participation rate | 40.0% | 74.8%-34.8pp | 68.2%-28.2pp | 82.5%-42.5pp |
| Annual return | 9.71% | 373.94%-364.2pp | 258.82%-249.1pp | 345.46%-335.8pp |
| Employer contribution / active EE | $3,581 | $3,304+8.4% | $2,653+35.0% | $4,764-24.8% |
| Participant deferral / active EE | $8,342 | $4,691+77.8% | $3,900+113.9% | $5,851+42.6% |
| Admin fee / account holder | $75,044 | $6,244+1101.8% | $4,914+1427.0% | $11,601+546.9% |