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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 | $69,907 | $29,736+135.1% | $56,033+24.8% | $80,935-13.6% |
| Participation rate | 22.2% | 41.7%-19.5pp | 52.5%-30.3pp | 67.7%-45.4pp |
| Annual return | 10.27% | 35.28%-25.0pp | 1711.38%-1701.1pp | 35.66%-25.4pp |
| Employer contribution / active EE | $902 | $671+34.3% | $1,041-13.4% | $2,757-67.3% |
| Participant deferral / active EE | $3,272 | $1,228+166.4% | $1,954+67.5% | $4,299-23.9% |
| Admin fee / account holder | $4,604 | $2,434+89.2% | $2,827+62.9% | $6,924-33.5% |