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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 | $58,241+62.5% | $81,780+15.7% | $80,911+17.0% |
| Participation rate | 34.5% | 63.4%-29.0pp | 72.4%-37.9pp | 67.6%-33.2pp |
| Annual return | 8.31% | 41.73%-33.4pp | 776.27%-768.0pp | 35.63%-27.3pp |
| Employer contribution / active EE | $1,113 | $2,343-52.5% | $2,914-61.8% | $2,756-59.6% |
| Participant deferral / active EE | $4,465 | $3,283+36.0% | $4,321+3.4% | $4,297+3.9% |
| Admin fee / account holder | $10,776 | $4,973+116.7% | $7,384+45.9% | $6,935+55.4% |