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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 | $17,013 | $77,908-78.2% | $149,696-88.6% | $75,173-77.4% |
| Participation rate | 36.7% | 65.6%-28.9pp | 78.8%-42.1pp | 67.2%-30.5pp |
| Annual return | 12.16% | 31.73%-19.6pp | 134.46%-122.3pp | 160.72%-148.6pp |
| Employer contribution / active EE | $886 | $3,138-71.7% | $4,821-81.6% | $2,671-66.8% |
| Participant deferral / active EE | $1,161 | $3,411-66.0% | $5,682-79.6% | $4,126-71.9% |
| Admin fee / account holder | $1,131 | $5,950-81.0% | $13,212-91.4% | $5,651-80.0% |