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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 | $29,716+706.4% | $56,077+327.3% | $80,925+196.1% |
| Participation rate | 7.9% | 41.7%-33.8pp | 52.5%-44.6pp | 67.7%-59.8pp |
| Annual return | 7.15% | 35.30%-28.1pp | 1709.28%-1702.1pp | 35.65%-28.5pp |
| Employer contribution / active EE | $258 | $671-61.5% | $1,040-75.2% | $2,756-90.6% |
| Participant deferral / active EE | $1,164 | $1,228-5.2% | $1,954-40.4% | $4,299-72.9% |
| Admin fee / account holder | $2,334 | $2,432-4.0% | $2,825-17.4% | $6,940-66.4% |