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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 | $170,902 | $96,388+77.3% | $80,627+112.0% | $139,466+22.5% |
| Participation rate | 23.5% | 73.6%-50.1pp | 67.0%-43.5pp | 80.3%-56.8pp |
| Annual return | 9.80% | 1352.08%-1342.3pp | 936.76%-927.0pp | 373.66%-363.9pp |
| Employer contribution / active EE | $627 | $3,260-80.8% | $2,723-77.0% | $4,754-86.8% |
| Participant deferral / active EE | $1,949 | $5,224-62.7% | $4,443-56.1% | $6,712-71.0% |
| Admin fee / account holder | $6,236 | $6,603-5.6% | $5,381+15.9% | $11,409-45.3% |