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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 | $114,193 | $57,305+99.3% | $86,640+31.8% | $75,173+51.9% |
| Participation rate | 43.3% | 63.2%-19.9pp | 71.7%-28.4pp | 67.2%-23.9pp |
| Annual return | 13.30% | 2674.24%-2660.9pp | 592.52%-579.2pp | 160.72%-147.4pp |
| Employer contribution / active EE | $947 | $2,316-59.1% | $3,024-68.7% | $2,671-64.5% |
| Participant deferral / active EE | $2,052 | $3,320-38.2% | $4,438-53.8% | $4,126-50.3% |
| Admin fee / account holder | $2,165 | $4,116-47.4% | $5,616-61.5% | $5,651-61.7% |