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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 | $42,753 | $95,453-55.2% | $112,040-61.8% | $82,448-48.1% |
| Participation rate | 65.6% | 72.8%-7.1pp | 76.5%-10.9pp | 68.1%-2.4pp |
| Annual return | 8.21% | 23.92%-15.7pp | 24.52%-16.3pp | 41.64%-33.4pp |
| Employer contribution / active EE | $6,919 | $2,318+198.5% | $2,954+134.2% | $2,551+171.2% |
| Participant deferral / active EE | $2,633 | $4,224-37.7% | $5,098-48.4% | $4,139-36.4% |
| Admin fee / account holder | $8,329 | $9,013-7.6% | $12,098-31.2% | $7,234+15.1% |