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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 | $122,521 | $58,234+110.4% | $81,783+49.8% | $80,874+51.5% |
| Participation rate | 28.6% | 63.4%-34.9pp | 72.4%-43.8pp | 67.6%-39.1pp |
| Annual return | 1.66% | 41.70%-40.0pp | 775.05%-773.4pp | 35.62%-34.0pp |
| Employer contribution / active EE | $719 | $2,341-69.3% | $2,913-75.3% | $2,756-73.9% |
| Participant deferral / active EE | $1,087 | $3,283-66.9% | $4,320-74.8% | $4,297-74.7% |
| Admin fee / account holder | $7,156 | $4,982+43.6% | $7,380-3.0% | $6,935+3.2% |