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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 | $38,590 | $110,137-65.0% | $161,149-76.1% | $82,637-53.3% |
| Participation rate | 46.9% | 72.4%-25.5pp | 78.8%-32.0pp | 68.1%-21.2pp |
| Annual return | 10.11% | 20.69%-10.6pp | 21.16%-11.0pp | 53.51%-43.4pp |
| Employer contribution / active EE | $876 | $2,856-69.3% | $4,360-79.9% | $2,552-65.7% |
| Participant deferral / active EE | $4,113 | $4,575-10.1% | $6,153-33.2% | $4,126-0.3% |
| Admin fee / account holder | $18,687 | $9,467+97.4% | $15,194+23.0% | $7,339+154.6% |