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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 | $88,376 | $148,629-40.5% | $135,982-35.0% | $139,487-36.6% |
| Participation rate | 40.0% | 83.9%-43.9pp | 81.9%-41.9pp | 80.3%-40.3pp |
| Annual return | 4.70% | 79.33%-74.6pp | 68.32%-63.6pp | 373.84%-369.1pp |
| Employer contribution / active EE | $1,888 | $5,247-64.0% | $4,859-61.2% | $4,755-60.3% |
| Participant deferral / active EE | $5,088 | $8,102-37.2% | $7,760-34.4% | $6,713-24.2% |
| Admin fee / account holder | $625 | $12,406-95.0% | $10,767-94.2% | $11,407-94.5% |