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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 | $213,429 | $76,608+178.6% | $56,077+280.6% | $145,877+46.3% |
| Participation rate | 5.0% | 63.2%-58.2pp | 52.5%-47.5pp | 80.3%-75.3pp |
| Annual return | 4.30% | 3009.59%-3005.3pp | 1709.28%-1705.0pp | 551.28%-547.0pp |
| Employer contribution / active EE | $187 | $1,382-86.5% | $1,040-82.0% | $4,663-96.0% |
| Participant deferral / active EE | $1,492 | $2,624-43.2% | $1,954-23.7% | $6,691-77.7% |
| Admin fee / account holder | $2,506 | $3,325-24.6% | $2,825-11.3% | $13,402-81.3% |