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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 | $23,169 | $56,544-59.0% | $75,501-69.3% | $70,126-67.0% |
| Participation rate | 66.7% | 68.1%-1.5pp | 72.4%-5.7pp | 69.5%-2.9pp |
| Annual return | 11.46% | 23.59%-12.1pp | 27.35%-15.9pp | 73.15%-61.7pp |
| Employer contribution / active EE | $796 | $1,817-56.2% | $2,352-66.1% | $2,343-66.0% |
| Participant deferral / active EE | $2,283 | $2,580-11.5% | $3,142-27.4% | $3,332-31.5% |
| Admin fee / account holder | $726 | $3,827-81.0% | $5,801-87.5% | $4,645-84.4% |