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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 | $114,820 | $58,311+96.9% | $81,882+40.2% | $80,959+41.8% |
| Participation rate | 27.3% | 63.5%-36.2pp | 72.4%-45.1pp | 67.7%-40.4pp |
| Annual return | 10.51% | 41.85%-31.3pp | 779.47%-769.0pp | 35.67%-25.2pp |
| Employer contribution / active EE | $844 | $2,347-64.0% | $2,916-71.0% | $2,757-69.4% |
| Participant deferral / active EE | $2,173 | $3,287-33.9% | $4,323-49.7% | $4,300-49.5% |
| Admin fee / account holder | $4,090 | $4,752-13.9% | $7,360-44.4% | $6,925-40.9% |