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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 | $37,003 | $103,393-64.2% | $87,103-57.5% | $152,909-75.8% |
| Participation rate | 65.0% | 79.4%-14.4pp | 76.9%-11.9pp | 82.5%-17.5pp |
| Annual return | 3.08% | 28.10%-25.0pp | 28.19%-25.1pp | 345.46%-342.4pp |
| Employer contribution / active EE | $1,063 | $3,221-67.0% | $2,521-57.9% | $4,764-77.7% |
| Participant deferral / active EE | $1,867 | $4,778-60.9% | $4,049-53.9% | $5,851-68.1% |
| Admin fee / account holder | $696 | $12,195-94.3% | $7,491-90.7% | $11,601-94.0% |