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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 | $244,533 | $81,668+199.4% | $58,507+318.0% | $139,487+75.3% |
| Participation rate | 15.8% | 61.3%-45.6pp | 50.9%-35.1pp | 80.3%-64.5pp |
| Annual return | 6.07% | 7430.07%-7424.0pp | 4252.32%-4246.3pp | 373.84%-367.8pp |
| Employer contribution / active EE | $83 | $1,398-94.0% | $1,053-92.1% | $4,755-98.2% |
| Participant deferral / active EE | $2,936 | $2,554+15.0% | $1,922+52.7% | $6,713-56.3% |
| Admin fee / account holder | $1,413 | $3,212-56.0% | $2,486-43.2% | $11,407-87.6% |