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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 | $208,190 | $176,688+17.8% | $130,660+59.3% | $152,909+36.2% |
| Participation rate | 66.7% | 79.0%-12.3pp | 71.7%-5.1pp | 82.5%-15.8pp |
| Annual return | 5.03% | 2693.08%-2688.1pp | 1709.29%-1704.3pp | 345.46%-340.4pp |
| Employer contribution / active EE | $801 | $5,743-86.1% | $4,092-80.4% | $4,764-83.2% |
| Participant deferral / active EE | $5,918 | $4,362+35.7% | $3,603+64.2% | $5,851+1.1% |
| Admin fee / account holder | $14,286 | $7,131+100.3% | $5,463+161.5% | $11,601+23.1% |