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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 | $29,670+135.6% | $56,054+24.7% | $80,911-13.6% |
| Participation rate | 22.2% | 41.7%-19.4pp | 52.5%-30.3pp | 67.6%-45.4pp |
| Annual return | 10.27% | 35.24%-25.0pp | 1705.95%-1695.7pp | 35.63%-25.4pp |
| Employer contribution / active EE | $902 | $670+34.7% | $1,039-13.2% | $2,756-67.3% |
| Participant deferral / active EE | $3,272 | $1,227+166.7% | $1,952+67.6% | $4,297-23.9% |
| Admin fee / account holder | $4,604 | $2,431+89.4% | $2,822+63.1% | $6,935-33.6% |