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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 | $59,543 | $52,380+13.7% | $98,864-39.8% | $85,851-30.6% |
| Participation rate | 33.3% | 58.0%-24.6pp | 65.7%-32.4pp | 69.3%-36.0pp |
| Annual return | 6.69% | 25.82%-19.1pp | 50.03%-43.3pp | 318.63%-311.9pp |
| Employer contribution / active EE | $275 | $1,337-79.4% | $2,070-86.7% | $2,565-89.3% |
| Participant deferral / active EE | $1,200 | $2,101-42.9% | $3,037-60.5% | $3,952-69.6% |
| Admin fee / account holder | $1,990 | $3,865-48.5% | $4,080-51.2% | $6,261-68.2% |