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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 | $89,724 | $27,943+221.1% | $58,507+53.4% | $75,177+19.3% |
| Participation rate | 33.3% | 38.8%-5.5pp | 50.9%-17.5pp | 67.2%-33.9pp |
| Annual return | 13.37% | 44.22%-30.8pp | 4252.32%-4238.9pp | 160.75%-147.4pp |
| Employer contribution / active EE | $996 | $670+48.7% | $1,053-5.5% | $2,671-62.7% |
| Participant deferral / active EE | $2,354 | $1,202+95.9% | $1,922+22.5% | $4,126-42.9% |
| Admin fee / account holder | $5,259 | $1,727+204.5% | $2,486+111.5% | $5,651-6.9% |