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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 | $29,492 | $51,207-42.4% | $70,565-58.2% | $75,177-60.8% |
| Participation rate | 57.1% | 61.0%-3.8pp | 68.4%-11.2pp | 67.2%-10.1pp |
| Annual return | 13.14% | 30.05%-16.9pp | 32.79%-19.7pp | 160.75%-147.6pp |
| Employer contribution / active EE | $512 | $1,826-72.0% | $2,976-82.8% | $2,671-80.8% |
| Participant deferral / active EE | $1,403 | $2,850-50.8% | $4,568-69.3% | $4,126-66.0% |
| Admin fee / account holder | $4,945 | $4,097+20.7% | $6,430-23.1% | $5,651-12.5% |