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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 | $49,994 | $39,028+28.1% | $80,741-38.1% | $85,847-41.8% |
| Participation rate | 40.6% | 41.6%-0.9pp | 54.2%-13.5pp | 69.3%-28.7pp |
| Annual return | 11.05% | 26.31%-15.3pp | 87.30%-76.3pp | 318.61%-307.6pp |
| Employer contribution / active EE | $891 | $722+23.4% | $1,160-23.2% | $2,565-65.3% |
| Participant deferral / active EE | $1,747 | $1,326+31.7% | $2,145-18.6% | $3,952-55.8% |
| Admin fee / account holder | $975 | $2,429-59.9% | $3,380-71.2% | $6,261-84.4% |