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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 | $125,573 | $57,330+119.0% | $86,656+44.9% | $75,177+67.0% |
| Participation rate | 45.8% | 63.2%-17.4pp | 71.7%-25.9pp | 67.2%-21.4pp |
| Annual return | 13.08% | 2675.40%-2662.3pp | 593.09%-580.0pp | 160.75%-147.7pp |
| Employer contribution / active EE | $0 | $2,316-100.0% | $3,025-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,075 | $3,320+22.7% | $4,439-8.2% | $4,126-1.3% |
| Admin fee / account holder | $7,973 | $4,115+93.8% | $5,619+41.9% | $5,651+41.1% |