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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 | $58,554 | $65,704-10.9% | $94,229-37.9% | $59,633-1.8% |
| Participation rate | 40.0% | 72.1%-32.1pp | 78.8%-38.8pp | 68.7%-28.7pp |
| Annual return | -5.16% | 5.22%-10.4pp | 10.68%-15.8pp | 2041.45%-2046.6pp |
| Employer contribution / active EE | $955 | $2,021-52.7% | $3,587-73.4% | $2,203-56.6% |
| Participant deferral / active EE | $2,042 | $3,143-35.0% | $4,320-52.7% | $3,192-36.0% |
| Admin fee / account holder | $1,205 | $4,265-71.7% | $6,269-80.8% | $4,297-72.0% |