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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 | $62,862 | $90,486-30.5% | $78,676-20.1% | $273,972-77.1% |
| Participation rate | 37.5% | 76.5%-39.0pp | 73.6%-36.1pp | 83.0%-45.5pp |
| Annual return | 1.90% | 75.62%-73.7pp | 62.19%-60.3pp | 41.46%-39.6pp |
| Employer contribution / active EE | $1,462 | $3,175-53.9% | $2,850-48.7% | $4,869-70.0% |
| Participant deferral / active EE | $4,264 | $3,901+9.3% | $3,517+21.2% | $5,287-19.4% |
| Admin fee / account holder | $401 | $5,263-92.4% | $4,510-91.1% | $10,133-96.0% |