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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 | $90,881 | $202,342-55.1% | $172,753-47.4% | $152,909-40.6% |
| Participation rate | 53.8% | 87.1%-33.2pp | 82.6%-28.8pp | 82.5%-28.6pp |
| Annual return | 6.62% | 1029.88%-1023.3pp | 803.00%-796.4pp | 345.46%-338.8pp |
| Employer contribution / active EE | $6,334 | $5,857+8.1% | $5,144+23.1% | $4,764+33.0% |
| Participant deferral / active EE | $6,483 | $5,948+9.0% | $5,198+24.7% | $5,851+10.8% |
| Admin fee / account holder | $5,234 | $17,112-69.4% | $13,956-62.5% | $11,601-54.9% |