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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 | $63,090 | $96,508-34.6% | $75,901-16.9% | $152,897-58.7% |
| Participation rate | 30.8% | 76.2%-45.4pp | 69.3%-38.5pp | 82.5%-51.7pp |
| Annual return | 3.97% | 33.99%-30.0pp | 30.76%-26.8pp | 345.43%-341.5pp |
| Employer contribution / active EE | $721 | $3,310-78.2% | $2,501-71.2% | $4,764-84.9% |
| Participant deferral / active EE | $1,206 | $4,554-73.5% | $3,603-66.5% | $5,851-79.4% |
| Admin fee / account holder | $12,431 | $8,081+53.8% | $5,420+129.3% | $11,599+7.2% |