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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 | $105,193 | $45,109+133.2% | $85,187+23.5% | $77,736+35.3% |
| Participation rate | 8.9% | 48.7%-39.8pp | 67.5%-58.6pp | 70.6%-61.7pp |
| Annual return | 10.34% | 79.55%-69.2pp | 66.67%-56.3pp | 31.26%-20.9pp |
| Employer contribution / active EE | $392 | $1,602-75.5% | $2,732-85.7% | $2,728-85.6% |
| Participant deferral / active EE | $999 | $2,814-64.5% | $4,525-77.9% | $4,651-78.5% |
| Admin fee / account holder | $11,630 | $915+1171.2% | $6,162+88.7% | $433+2583.9% |