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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 | $70,366+76.3% | $66,674+86.0% | $138,895-10.7% |
| Participation rate | 66.7% | 76.2%-9.5pp | 73.7%-7.0pp | 79.9%-13.3pp |
| Annual return | 6.50% | 386.41%-379.9pp | 321.24%-314.7pp | 145.39%-138.9pp |
| Employer contribution / active EE | $5,500 | $2,765+98.9% | $2,620+109.9% | $4,194+31.1% |
| Participant deferral / active EE | $9,775 | $4,374+123.5% | $4,084+139.3% | $6,396+52.8% |
| Admin fee / account holder | $99,373 | $5,262+1788.3% | $5,098+1849.2% | $12,562+691.0% |