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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 | $83,839 | $175,231-52.2% | $149,696-44.0% | $139,466-39.9% |
| Participation rate | 62.5% | 83.4%-20.9pp | 78.8%-16.3pp | 80.3%-17.8pp |
| Annual return | 9.85% | 166.77%-156.9pp | 134.46%-124.6pp | 373.66%-363.8pp |
| Employer contribution / active EE | $10,807 | $5,478+97.3% | $4,821+124.2% | $4,754+127.3% |
| Participant deferral / active EE | $6,356 | $6,521-2.5% | $5,682+11.9% | $6,712-5.3% |
| Admin fee / account holder | $217,354 | $16,155+1245.4% | $13,212+1545.1% | $11,409+1805.2% |