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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 | $23,089 | $77,908-70.4% | $149,696-84.6% | $75,173-69.3% |
| Participation rate | 27.5% | 65.6%-38.1pp | 78.8%-51.3pp | 67.2%-39.8pp |
| Annual return | 12.34% | 31.73%-19.4pp | 134.46%-122.1pp | 160.72%-148.4pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,111 | $3,411-67.4% | $5,682-80.4% | $4,126-73.1% |
| Admin fee / account holder | $6,992 | $5,950+17.5% | $13,212-47.1% | $5,651+23.7% |