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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 | $96,558 | $62,393+54.8% | $120,580-19.9% | $74,478+29.6% |
| Participation rate | 27.9% | 56.8%-28.9pp | 72.0%-44.1pp | 67.2%-39.4pp |
| Annual return | 9.66% | 18.61%-9.0pp | 107.48%-97.8pp | 1370.56%-1360.9pp |
| Employer contribution / active EE | $710 | $1,845-61.5% | $3,469-79.5% | $2,626-73.0% |
| Participant deferral / active EE | $1,500 | $2,886-48.0% | $4,995-70.0% | $4,350-65.5% |
| Admin fee / account holder | $3,609 | $2,396+50.6% | $9,418-61.7% | $1,946+85.5% |