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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 | $35,020 | $106,280-67.0% | $96,538-63.7% | $139,487-74.9% |
| Participation rate | 64.3% | 77.8%-13.6pp | 74.3%-10.1pp | 80.3%-16.1pp |
| Annual return | 8.54% | 38.48%-29.9pp | 35.74%-27.2pp | 373.84%-365.3pp |
| Employer contribution / active EE | $1,515 | $4,107-63.1% | $3,740-59.5% | $4,755-68.1% |
| Participant deferral / active EE | $4,294 | $5,457-21.3% | $4,880-12.0% | $6,713-36.0% |
| Admin fee / account holder | $12,664 | $7,888+60.5% | $6,737+88.0% | $11,407+11.0% |