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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 | $35,110 | $59,402-40.9% | $93,654-62.5% | $74,546-52.9% |
| Participation rate | 47.3% | 59.7%-12.4pp | 68.7%-21.4pp | 67.2%-19.9pp |
| Annual return | 5.23% | 81.86%-76.6pp | 133.34%-128.1pp | 1366.03%-1360.8pp |
| Employer contribution / active EE | $2,555 | $1,265+102.0% | $2,421+5.5% | $2,624-2.6% |
| Participant deferral / active EE | $4,627 | $3,049+51.8% | $4,413+4.9% | $4,347+6.4% |
| Admin fee / account holder | $6,508 | $3,023+115.3% | $8,282-21.4% | $1,944+234.8% |