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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 | $43,003 | $102,422-58.0% | $147,117-70.8% | $80,959-46.9% |
| Participation rate | 60.9% | 75.9%-14.9pp | 82.2%-21.2pp | 67.7%-6.7pp |
| Annual return | 8.97% | 135.16%-126.2pp | 420.54%-411.6pp | 35.67%-26.7pp |
| Employer contribution / active EE | $7,266 | $3,717+95.5% | $4,932+47.3% | $2,757+163.5% |
| Participant deferral / active EE | $3,285 | $6,652-50.6% | $8,065-59.3% | $4,300-23.6% |
| Admin fee / account holder | $3,285 | $7,953-58.7% | $12,993-74.7% | $6,925-52.6% |