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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 | $77,561 | $88,754-12.6% | $81,820-5.2% | $145,877-46.8% |
| Participation rate | 62.5% | 75.1%-12.6pp | 72.4%-9.9pp | 80.3%-17.8pp |
| Annual return | 8.11% | 1031.77%-1023.7pp | 777.93%-769.8pp | 551.28%-543.2pp |
| Employer contribution / active EE | $2,136 | $3,085-30.8% | $2,915-26.7% | $4,663-54.2% |
| Participant deferral / active EE | $5,185 | $4,648+11.6% | $4,323+20.0% | $6,691-22.5% |
| Admin fee / account holder | $3,126 | $8,424-62.9% | $7,391-57.7% | $13,402-76.7% |