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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 | $120,180 | $60,139+99.8% | $90,461+32.9% | $79,856+50.5% |
| Participation rate | 25.8% | 65.0%-39.2pp | 72.7%-46.9pp | 69.6%-43.8pp |
| Annual return | 9.65% | 71.96%-62.3pp | 1294.76%-1285.1pp | 31.71%-22.1pp |
| Employer contribution / active EE | $662 | $2,069-68.0% | $3,264-79.7% | $2,471-73.2% |
| Participant deferral / active EE | $1,480 | $2,939-49.6% | $3,964-62.7% | $3,741-60.4% |
| Admin fee / account holder | $7,737 | $3,978+94.5% | $5,617+37.7% | $5,306+45.8% |