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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 | $59,456-40.9% | $93,669-62.5% | $74,429-52.8% |
| Participation rate | 47.3% | 59.6%-12.4pp | 68.7%-21.5pp | 67.2%-19.9pp |
| Annual return | 5.23% | 82.00%-76.8pp | 133.59%-128.4pp | 1368.38%-1363.2pp |
| Employer contribution / active EE | $2,555 | $1,266+101.8% | $2,424+5.4% | $2,625-2.7% |
| Participant deferral / active EE | $4,627 | $3,052+51.6% | $4,416+4.8% | $4,348+6.4% |
| Admin fee / account holder | $6,508 | $3,026+115.1% | $8,291-21.5% | $1,944+234.7% |