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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 | $47,582 | $110,307-56.9% | $96,576-50.7% | $139,456-65.9% |
| Participation rate | 43.8% | 78.1%-34.4pp | 76.0%-32.2pp | 80.3%-36.6pp |
| Annual return | 9.22% | 26.40%-17.2pp | 25.87%-16.6pp | 373.45%-364.2pp |
| Employer contribution / active EE | $982 | $3,619-72.9% | $2,965-66.9% | $4,753-79.3% |
| Participant deferral / active EE | $3,383 | $5,547-39.0% | $4,851-30.3% | $6,711-49.6% |
| Admin fee / account holder | $2,876 | $11,597-75.2% | $8,253-65.2% | $11,407-74.8% |