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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 | $49,543 | $58,311-15.0% | $81,882-39.5% | $80,959-38.8% |
| Participation rate | 43.9% | 63.5%-19.6pp | 72.4%-28.5pp | 67.7%-23.8pp |
| Annual return | 8.92% | 41.85%-32.9pp | 779.47%-770.6pp | 35.67%-26.8pp |
| Employer contribution / active EE | $1,078 | $2,347-54.1% | $2,916-63.0% | $2,757-60.9% |
| Participant deferral / active EE | $1,868 | $3,287-43.2% | $4,323-56.8% | $4,300-56.6% |
| Admin fee / account holder | $9,938 | $4,752+109.1% | $7,360+35.0% | $6,925+43.5% |