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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 | $89,882 | $65,566+37.1% | $86,235+4.2% | $75,177+19.6% |
| Participation rate | 39.1% | 60.5%-21.4pp | 69.0%-29.9pp | 67.2%-28.1pp |
| Annual return | 12.53% | 46.07%-33.5pp | 1170.03%-1157.5pp | 160.75%-148.2pp |
| Employer contribution / active EE | $373 | $1,553-76.0% | $2,381-84.4% | $2,671-86.1% |
| Participant deferral / active EE | $2,912 | $3,023-3.7% | $3,987-27.0% | $4,126-29.4% |
| Admin fee / account holder | $12,054 | $5,470+120.4% | $6,856+75.8% | $5,651+113.3% |