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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 | $95,556 | $150,447-36.5% | $136,298-29.9% | $147,586-35.3% |
| Participation rate | 40.0% | 84.4%-44.4pp | 81.9%-41.9pp | 82.8%-42.8pp |
| Annual return | 8.34% | 1049.15%-1040.8pp | 5156.27%-5147.9pp | 578.59%-570.3pp |
| Employer contribution / active EE | $1,992 | $5,256-62.1% | $4,696-57.6% | $4,876-59.1% |
| Participant deferral / active EE | $5,766 | $6,631-13.0% | $6,247-7.7% | $5,439+6.0% |
| Admin fee / account holder | $83,747 | $10,906+667.9% | $9,244+806.0% | $10,886+669.3% |