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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 | $74,379 | $58,311+27.6% | $81,882-9.2% | $80,959-8.1% |
| Participation rate | 37.1% | 63.5%-26.3pp | 72.4%-35.2pp | 67.7%-30.5pp |
| Annual return | 9.49% | 41.85%-32.4pp | 779.47%-770.0pp | 35.67%-26.2pp |
| Employer contribution / active EE | $1,205 | $2,347-48.7% | $2,916-58.7% | $2,757-56.3% |
| Participant deferral / active EE | $2,509 | $3,287-23.7% | $4,323-42.0% | $4,300-41.7% |
| Admin fee / account holder | $549 | $4,752-88.4% | $7,360-92.5% | $6,925-92.1% |