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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 | $170,043 | $70,366+141.7% | $66,674+155.0% | $138,895+22.4% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.7%-23.7pp | 79.9%-29.9pp |
| Annual return | 10.60% | 386.41%-375.8pp | 321.24%-310.6pp | 145.39%-134.8pp |
| Employer contribution / active EE | $790 | $2,765-71.4% | $2,620-69.9% | $4,194-81.2% |
| Participant deferral / active EE | $1,302 | $4,374-70.2% | $4,084-68.1% | $6,396-79.6% |
| Admin fee / account holder | $1,969 | $5,262-62.6% | $5,098-61.4% | $12,562-84.3% |