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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 | $113,751 | $29,716+282.8% | $56,077+102.8% | $80,925+40.6% |
| Participation rate | 35.3% | 41.7%-6.4pp | 52.5%-17.2pp | 67.7%-32.4pp |
| Annual return | 8.35% | 35.30%-27.0pp | 1709.28%-1700.9pp | 35.65%-27.3pp |
| Employer contribution / active EE | $631 | $671-6.0% | $1,040-39.4% | $2,756-77.1% |
| Participant deferral / active EE | $2,625 | $1,228+113.7% | $1,954+34.4% | $4,299-38.9% |
| Admin fee / account holder | $14,961 | $2,432+515.2% | $2,825+429.6% | $6,940+115.6% |