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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 | $30,339 | $56,116-45.9% | $135,768-77.7% | $86,983-65.1% |
| Participation rate | 55.6% | 60.1%-4.6pp | 71.1%-15.5pp | 69.5%-14.0pp |
| Annual return | 9.88% | 125.33%-115.5pp | 526.10%-516.2pp | 25.83%-16.0pp |
| Employer contribution / active EE | $910 | $1,528-40.5% | $3,394-73.2% | $2,584-64.8% |
| Participant deferral / active EE | $1,574 | $2,690-41.5% | $3,977-60.4% | $4,194-62.5% |
| Admin fee / account holder | $971 | $4,314-77.5% | $7,048-86.2% | $7,856-87.6% |