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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 | $65,379 | $76,371-14.4% | $93,621-30.2% | $72,975-10.4% |
| Participation rate | 60.7% | 71.8%-11.0pp | 75.8%-15.1pp | 69.5%-8.8pp |
| Annual return | 15.49% | 25.82%-10.3pp | 32.76%-17.3pp | 81.01%-65.5pp |
| Employer contribution / active EE | $992 | $2,276-56.4% | $2,719-63.5% | $2,440-59.3% |
| Participant deferral / active EE | $1,915 | $3,538-45.9% | $4,070-53.0% | $3,608-46.9% |
| Admin fee / account holder | $20,571 | $6,839+200.8% | $7,890+160.7% | $5,124+301.5% |