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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 | $114,308 | $57,305+99.5% | $86,640+31.9% | $75,173+52.1% |
| Participation rate | 30.4% | 63.2%-32.8pp | 71.7%-41.3pp | 67.2%-36.8pp |
| Annual return | 12.80% | 2674.24%-2661.4pp | 592.52%-579.7pp | 160.72%-147.9pp |
| Employer contribution / active EE | $860 | $2,316-62.9% | $3,024-71.6% | $2,671-67.8% |
| Participant deferral / active EE | $1,503 | $3,320-54.7% | $4,438-66.1% | $4,126-63.6% |
| Admin fee / account holder | $531 | $4,116-87.1% | $5,616-90.5% | $5,651-90.6% |