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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 | $30,617 | $55,437-44.8% | $155,534-80.3% | $74,459-58.9% |
| Participation rate | 44.4% | 61.9%-17.5pp | 78.2%-33.8pp | 67.2%-22.8pp |
| Annual return | 9.45% | 269.58%-260.1pp | 64.92%-55.5pp | 1369.70%-1360.3pp |
| Employer contribution / active EE | $843 | $2,266-62.8% | $4,675-82.0% | $2,626-67.9% |
| Participant deferral / active EE | $1,560 | $2,837-45.0% | $5,630-72.3% | $4,350-64.1% |
| Admin fee / account holder | $1,817 | $1,742+4.3% | $15,900-88.6% | $1,945-6.6% |