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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 | $80,703 | $57,330+40.8% | $86,656-6.9% | $75,177+7.3% |
| Participation rate | 31.3% | 63.2%-31.9pp | 71.7%-40.5pp | 67.2%-36.0pp |
| Annual return | 11.43% | 2675.40%-2664.0pp | 593.09%-581.7pp | 160.75%-149.3pp |
| Employer contribution / active EE | $346 | $2,316-85.1% | $3,025-88.6% | $2,671-87.0% |
| Participant deferral / active EE | $1,225 | $3,320-63.1% | $4,439-72.4% | $4,126-70.3% |
| Admin fee / account holder | $1,742 | $4,115-57.7% | $5,619-69.0% | $5,651-69.2% |