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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 | $124,043 | $72,071+72.1% | $68,368+81.4% | $137,256-9.6% |
| Participation rate | 66.7% | 76.2%-9.6pp | 73.8%-7.1pp | 80.0%-13.3pp |
| Annual return | 6.50% | 353.14%-346.6pp | 292.57%-286.1pp | 220.34%-213.8pp |
| Employer contribution / active EE | $5,500 | $2,788+97.3% | $2,649+107.6% | $4,156+32.3% |
| Participant deferral / active EE | $9,775 | $4,410+121.7% | $4,123+137.1% | $6,407+52.6% |
| Admin fee / account holder | $99,373 | $5,336+1762.5% | $5,150+1829.6% | $12,270+709.9% |