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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 | $39,051 | $46,599-16.2% | $64,101-39.1% | $75,173-48.1% |
| Participation rate | 11.8% | 65.9%-54.2pp | 72.3%-60.5pp | 67.2%-55.4pp |
| Annual return | 10.09% | 26.06%-16.0pp | 33.72%-23.6pp | 160.72%-150.6pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,749-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,564 | $2,837-9.6% | $3,881-33.9% | $4,126-37.9% |
| Admin fee / account holder | $401 | $2,956-86.4% | $3,070-86.9% | $5,651-92.9% |