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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 | $153,537 | $24,891+516.8% | $69,632+120.5% | $74,478+106.2% |
| Participation rate | 22.2% | 63.4%-41.2pp | 66.4%-44.2pp | 67.2%-45.0pp |
| Annual return | 11.18% | 18.53%-7.4pp | 101.32%-90.1pp | 1370.56%-1359.4pp |
| Employer contribution / active EE | $748 | $1,005-25.6% | $1,708-56.2% | $2,626-71.5% |
| Participant deferral / active EE | $1,723 | $1,908-9.7% | $2,889-40.3% | $4,350-60.4% |
| Admin fee / account holder | $7,328 | $1,904+284.8% | $4,695+56.1% | $1,946+276.6% |