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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 | $169,725 | $60,454+180.8% | $81,844+107.4% | $74,459+127.9% |
| Participation rate | 28.7% | 63.0%-34.2pp | 72.4%-43.7pp | 67.2%-38.5pp |
| Annual return | 10.60% | 16.87%-6.3pp | 778.87%-768.3pp | 1369.70%-1359.1pp |
| Employer contribution / active EE | $911 | $2,630-65.4% | $2,916-68.8% | $2,626-65.3% |
| Participant deferral / active EE | $2,018 | $3,398-40.6% | $4,323-53.3% | $4,350-53.6% |
| Admin fee / account holder | $7,791 | $1,490+422.7% | $7,355+5.9% | $1,945+300.6% |