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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 | $54,234 | $23,330+132.5% | $64,489-15.9% | $82,448-34.2% |
| Participation rate | 39.5% | 68.3%-28.8pp | 67.7%-28.2pp | 68.1%-28.6pp |
| Annual return | 11.58% | 83.66%-72.1pp | 55.03%-43.4pp | 41.64%-30.1pp |
| Employer contribution / active EE | $493 | $824-40.2% | $1,523-67.6% | $2,551-80.7% |
| Participant deferral / active EE | $1,495 | $1,707-12.4% | $2,778-46.2% | $4,139-63.9% |
| Admin fee / account holder | $23,606 | $2,946+701.4% | $4,260+454.1% | $7,234+226.3% |