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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 | $35,731 | $78,670-54.6% | $109,173-67.3% | $85,847-58.4% |
| Participation rate | 42.6% | 68.3%-25.7pp | 75.9%-33.3pp | 69.3%-26.8pp |
| Annual return | 7.29% | 25.09%-17.8pp | 25.75%-18.5pp | 318.61%-311.3pp |
| Employer contribution / active EE | $1,599 | $2,734-41.5% | $3,723-57.0% | $2,565-37.7% |
| Participant deferral / active EE | $3,511 | $3,467+1.3% | $4,654-24.5% | $3,952-11.2% |
| Admin fee / account holder | $5,114 | $5,469-6.5% | $6,755-24.3% | $6,261-18.3% |