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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 | $76,522+178.9% | $56,033+280.9% | $145,884+46.3% |
| Participation rate | 5.0% | 63.2%-58.2pp | 52.5%-47.5pp | 80.3%-75.3pp |
| Annual return | 4.30% | 3014.28%-3010.0pp | 1711.38%-1707.1pp | 551.85%-547.6pp |
| Employer contribution / active EE | $187 | $1,382-86.5% | $1,041-82.0% | $4,662-96.0% |
| Participant deferral / active EE | $1,492 | $2,624-43.1% | $1,954-23.7% | $6,690-77.7% |
| Admin fee / account holder | $2,506 | $3,328-24.7% | $2,827-11.4% | $13,392-81.3% |