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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 | $44,617 | $80,781-44.8% | $102,437-56.4% | $74,478-40.1% |
| Participation rate | 64.7% | 65.7%-1.0pp | 74.5%-9.8pp | 67.2%-2.5pp |
| Annual return | 7.11% | 27.58%-20.5pp | 24.95%-17.8pp | 1370.56%-1363.5pp |
| Employer contribution / active EE | $3,747 | $3,160+18.6% | $3,871-3.2% | $2,626+42.7% |
| Participant deferral / active EE | $2,174 | $3,862-43.7% | $5,060-57.0% | $4,350-50.0% |
| Admin fee / account holder | $7,592 | $2,372+220.0% | $8,388-9.5% | $1,946+290.2% |