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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 | $106,767 | $217,427-50.9% | $185,837-42.5% | $167,518-36.3% |
| Participation rate | 66.7% | 86.0%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 8.51% | 148.39%-139.9pp | 122.08%-113.6pp | 478.71%-470.2pp |
| Employer contribution / active EE | $3,908 | $5,874-33.5% | $5,168-24.4% | $4,838-19.2% |
| Participant deferral / active EE | $6,984 | $6,357+9.9% | $5,568+25.4% | $6,342+10.1% |
| Admin fee / account holder | $2,710,279 | $19,816+13577.0% | $16,241+16587.4% | $12,312+21912.5% |