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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 | $70,456 | $29,319+140.3% | $52,425+34.4% | $82,448-14.5% |
| Participation rate | 18.8% | 46.9%-28.1pp | 55.6%-36.9pp | 68.1%-49.3pp |
| Annual return | 12.96% | 535.20%-522.2pp | 302.12%-289.2pp | 41.64%-28.7pp |
| Employer contribution / active EE | $359 | $586-38.8% | $914-60.7% | $2,551-85.9% |
| Participant deferral / active EE | $1,758 | $1,171+50.1% | $1,790-1.8% | $4,139-57.5% |
| Admin fee / account holder | $16,636 | $1,962+747.8% | $2,495+566.8% | $7,234+130.0% |