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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 | $57,645 | $112,933-49.0% | $90,970-36.6% | $158,982-63.7% |
| Participation rate | 55.0% | 74.7%-19.7pp | 69.0%-14.0pp | 82.0%-27.0pp |
| Annual return | 3.66% | 215.82%-212.2pp | 134.60%-130.9pp | 302.99%-299.3pp |
| Employer contribution / active EE | $1,102 | $2,893-61.9% | $2,122-48.1% | $4,763-76.9% |
| Participant deferral / active EE | $3,121 | $4,128-24.4% | $3,373-7.5% | $5,983-47.8% |
| Admin fee / account holder | $1,921 | $8,047-76.1% | $5,961-67.8% | $11,252-82.9% |