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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 | $102,595+20.9% | $94,057+31.9% | $154,746-19.8% |
| Participation rate | 66.7% | 76.0%-9.3pp | 73.3%-6.7pp | 80.7%-14.0pp |
| Annual return | 6.50% | 583.42%-576.9pp | 480.62%-474.1pp | 172.34%-165.8pp |
| Employer contribution / active EE | $5,500 | $3,147+74.8% | $2,933+87.5% | $4,379+25.6% |
| Participant deferral / active EE | $9,775 | $5,118+91.0% | $4,709+107.6% | $6,730+45.2% |
| Admin fee / account holder | $99,373 | $7,736+1184.6% | $7,244+1271.7% | $14,365+591.8% |