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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 | $121,303 | $109,863+10.4% | $98,477+23.2% | $167,518-27.6% |
| Participation rate | 28.6% | 75.8%-47.3pp | 73.3%-44.8pp | 82.1%-53.5pp |
| Annual return | 5.70% | 1958.09%-1952.4pp | 1493.59%-1487.9pp | 478.71%-473.0pp |
| Employer contribution / active EE | $490 | $3,225-84.8% | $2,961-83.4% | $4,838-89.9% |
| Participant deferral / active EE | $1,708 | $4,673-63.5% | $4,276-60.1% | $6,342-73.1% |
| Admin fee / account holder | $569 | $6,755-91.6% | $5,951-90.4% | $12,312-95.4% |