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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 | $109,185 | $114,073-4.3% | $96,161+13.5% | $167,518-34.8% |
| Participation rate | 60.0% | 75.1%-15.1pp | 68.4%-8.4pp | 82.1%-22.1pp |
| Annual return | 7.50% | 189.95%-182.4pp | 192.01%-184.5pp | 478.71%-471.2pp |
| Employer contribution / active EE | $716 | $3,428-79.1% | $2,798-74.4% | $4,838-85.2% |
| Participant deferral / active EE | $1,528 | $5,195-70.6% | $4,349-64.9% | $6,342-75.9% |
| Admin fee / account holder | $78,702 | $6,899+1040.8% | $5,538+1321.0% | $12,312+539.2% |