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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 | $153,024 | $159,934-4.3% | $147,005+4.1% | $145,959+4.8% |
| Participation rate | 0.0% | 84.0%-84.0pp | 82.2%-82.2pp | 80.3%-80.3pp |
| Annual return | 8.58% | 98.24%-89.7pp | 418.76%-410.2pp | 561.95%-553.4pp |
| Employer contribution / active EE | $2,160 | $5,287-59.2% | $4,934-56.2% | $4,661-53.7% |
| Participant deferral / active EE | $12,763 | $8,427+51.4% | $8,070+58.2% | $6,689+90.8% |
| Admin fee / account holder | $721 | $15,053-95.2% | $13,006-94.5% | $13,398-94.6% |