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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 | $62,409+54.7% | $120,524-19.9% | $74,429+29.7% |
| Participation rate | 27.9% | 56.8%-28.9pp | 71.9%-44.1pp | 67.2%-39.3pp |
| Annual return | 9.66% | 18.62%-9.0pp | 107.36%-97.7pp | 1368.38%-1358.7pp |
| Employer contribution / active EE | $710 | $1,847-61.6% | $3,469-79.5% | $2,625-73.0% |
| Participant deferral / active EE | $1,500 | $2,888-48.1% | $4,994-70.0% | $4,348-65.5% |
| Admin fee / account holder | $3,609 | $2,394+50.8% | $9,440-61.8% | $1,944+85.6% |