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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 | $29,670+224.6% | $56,054+71.8% | $80,911+19.0% |
| Participation rate | 12.5% | 41.7%-29.2pp | 52.5%-40.0pp | 67.6%-55.1pp |
| Annual return | 8.85% | 35.24%-26.4pp | 1705.95%-1697.1pp | 35.63%-26.8pp |
| Employer contribution / active EE | $728 | $670+8.7% | $1,039-30.0% | $2,756-73.6% |
| Participant deferral / active EE | $1,481 | $1,227+20.7% | $1,952-24.1% | $4,297-65.5% |
| Admin fee / account holder | $855 | $2,431-64.8% | $2,822-69.7% | $6,935-87.7% |