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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 | $129,242 | $70,587+83.1% | $124,693+3.6% | $85,847+50.5% |
| Participation rate | 31.0% | 64.4%-33.5pp | 74.6%-43.7pp | 69.3%-38.4pp |
| Annual return | 10.06% | 20688.83%-20678.8pp | 5144.19%-5134.1pp | 318.61%-308.5pp |
| Employer contribution / active EE | $1,269 | $1,913-33.7% | $3,324-61.8% | $2,565-50.5% |
| Participant deferral / active EE | $2,879 | $2,969-3.0% | $4,615-37.6% | $3,952-27.1% |
| Admin fee / account holder | $4,214 | $5,282-20.2% | $7,494-43.8% | $6,261-32.7% |