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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 | $94,653 | $58,311+62.3% | $81,882+15.6% | $80,959+16.9% |
| Participation rate | 34.5% | 63.5%-29.0pp | 72.4%-37.9pp | 67.7%-33.2pp |
| Annual return | 8.31% | 41.85%-33.5pp | 779.47%-771.2pp | 35.67%-27.4pp |
| Employer contribution / active EE | $1,113 | $2,347-52.6% | $2,916-61.8% | $2,757-59.6% |
| Participant deferral / active EE | $4,465 | $3,287+35.9% | $4,323+3.3% | $4,300+3.8% |
| Admin fee / account holder | $10,776 | $4,752+126.8% | $7,360+46.4% | $6,925+55.6% |