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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 | $60,001 | $76,834-21.9% | $108,359-44.6% | $87,485-31.4% |
| Participation rate | 29.6% | 61.7%-32.1pp | 70.1%-40.5pp | 68.9%-39.3pp |
| Annual return | 10.02% | 19.09%-9.1pp | 36.89%-26.9pp | 26.06%-16.0pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,574 | $3,100-49.2% | $4,137-62.0% | $4,274-63.2% |
| Admin fee / account holder | $30,444 | $6,537+365.7% | $9,741+212.5% | $7,775+291.6% |