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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 | $239,634 | $29,733+705.9% | $56,025+327.7% | $80,959+196.0% |
| Participation rate | 7.9% | 41.7%-33.8pp | 52.5%-44.6pp | 67.7%-59.8pp |
| Annual return | 7.15% | 35.28%-28.1pp | 1712.69%-1705.5pp | 35.67%-28.5pp |
| Employer contribution / active EE | $258 | $672-61.6% | $1,042-75.2% | $2,757-90.6% |
| Participant deferral / active EE | $1,164 | $1,229-5.3% | $1,955-40.4% | $4,300-72.9% |
| Admin fee / account holder | $2,334 | $2,434-4.1% | $2,828-17.5% | $6,925-66.3% |