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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 | $59,681 | $172,111-65.3% | $150,298-60.3% | $137,256-56.5% |
| Participation rate | 50.0% | 81.7%-31.7pp | 77.8%-27.8pp | 80.0%-30.0pp |
| Annual return | 6.23% | 69.37%-63.1pp | 62.79%-56.6pp | 220.34%-214.1pp |
| Employer contribution / active EE | $1,963 | $4,636-57.7% | $4,154-52.8% | $4,156-52.8% |
| Participant deferral / active EE | $4,734 | $6,166-23.2% | $5,453-13.2% | $6,407-26.1% |
| Admin fee / account holder | $68,165 | $16,471+313.9% | $14,116+382.9% | $12,270+455.5% |