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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 | $152,966 | $85,171+79.6% | $172,753-11.5% | $72,976+109.6% |
| Participation rate | 35.6% | 70.1%-34.4pp | 82.6%-47.0pp | 69.5%-33.9pp |
| Annual return | 11.67% | 27.32%-15.7pp | 803.00%-791.3pp | 81.02%-69.3pp |
| Employer contribution / active EE | $948 | $3,324-71.5% | $5,144-81.6% | $2,440-61.1% |
| Participant deferral / active EE | $2,387 | $3,260-26.8% | $5,198-54.1% | $3,608-33.8% |
| Admin fee / account holder | $4,420 | $5,880-24.8% | $13,956-68.3% | $5,124-13.7% |