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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 | $98,036 | $59,448+64.9% | $93,696+4.6% | $74,459+31.7% |
| Participation rate | 30.9% | 59.6%-28.7pp | 68.7%-37.8pp | 67.2%-36.3pp |
| Annual return | 8.31% | 82.11%-73.8pp | 133.74%-125.4pp | 1369.70%-1361.4pp |
| Employer contribution / active EE | $1,030 | $1,266-18.7% | $2,422-57.5% | $2,626-60.8% |
| Participant deferral / active EE | $1,713 | $3,052-43.9% | $4,417-61.2% | $4,350-60.6% |
| Admin fee / account holder | $33,341 | $3,027+1001.4% | $8,287+302.4% | $1,945+1614.4% |