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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 | $59,288 | $27,800+113.3% | $58,561+1.2% | $71,511-17.1% |
| Participation rate | 37.8% | 34.6%+3.2pp | 50.9%-13.1pp | 67.9%-30.1pp |
| Annual return | 12.71% | 26.80%-14.1pp | 4251.33%-4238.6pp | 28.86%-16.1pp |
| Employer contribution / active EE | $404 | $632-36.0% | $1,053-61.6% | $2,589-84.4% |
| Participant deferral / active EE | $1,152 | $1,208-4.7% | $1,923-40.1% | $4,291-73.2% |
| Admin fee / account holder | $1,805 | $1,637+10.3% | $2,520-28.4% | $1,588+13.6% |