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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 | $214,981 | $115,810+85.6% | $101,271+112.3% | $158,966+35.2% |
| Participation rate | 41.7% | 79.4%-37.7pp | 75.8%-34.1pp | 82.0%-40.3pp |
| Annual return | 7.13% | 56.15%-49.0pp | 46.48%-39.3pp | 302.95%-295.8pp |
| Employer contribution / active EE | $784 | $4,175-81.2% | $3,660-78.6% | $4,762-83.5% |
| Participant deferral / active EE | $1,878 | $4,958-62.1% | $4,371-57.0% | $5,983-68.6% |
| Admin fee / account holder | $65,632 | $7,248+805.5% | $5,948+1003.5% | $11,250+483.4% |