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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 | $87,898 | $202,342-56.6% | $172,753-49.1% | $152,909-42.5% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 11.04% | 1029.88%-1018.8pp | 803.00%-792.0pp | 345.46%-334.4pp |
| Employer contribution / active EE | $2,508 | $5,857-57.2% | $5,144-51.2% | $4,764-47.3% |
| Participant deferral / active EE | $5,117 | $5,948-14.0% | $5,198-1.5% | $5,851-12.5% |
| Admin fee / account holder | $50,304 | $17,112+194.0% | $13,956+260.5% | $11,601+333.6% |