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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 | $33,003 | $57,305-42.4% | $86,640-61.9% | $75,173-56.1% |
| Participation rate | 26.8% | 63.2%-36.4pp | 71.7%-44.9pp | 67.2%-40.4pp |
| Annual return | 10.45% | 2674.24%-2663.8pp | 592.52%-582.1pp | 160.72%-150.3pp |
| Employer contribution / active EE | $1,698 | $2,316-26.7% | $3,024-43.9% | $2,671-36.4% |
| Participant deferral / active EE | $0 | $3,320-100.0% | $4,438-100.0% | $4,126-100.0% |
| Admin fee / account holder | $3,537 | $4,116-14.1% | $5,616-37.0% | $5,651-37.4% |