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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 | $96,303 | $29,733+223.9% | $56,025+71.9% | $80,959+19.0% |
| Participation rate | 12.5% | 41.7%-29.2pp | 52.5%-40.0pp | 67.7%-55.2pp |
| Annual return | 8.85% | 35.28%-26.4pp | 1712.69%-1703.8pp | 35.67%-26.8pp |
| Employer contribution / active EE | $728 | $672+8.3% | $1,042-30.1% | $2,757-73.6% |
| Participant deferral / active EE | $1,481 | $1,229+20.5% | $1,955-24.2% | $4,300-65.6% |
| Admin fee / account holder | $855 | $2,434-64.9% | $2,828-69.8% | $6,925-87.7% |