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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 | $54,849 | $48,364+13.4% | $71,796-23.6% | $62,881-12.8% |
| Participation rate | 54.7% | 60.6%-5.9pp | 69.1%-14.4pp | 69.3%-14.6pp |
| Annual return | 4.44% | 13.16%-8.7pp | 78.04%-73.6pp | 20.14%-15.7pp |
| Employer contribution / active EE | $310 | $1,042-70.3% | $1,924-83.9% | $2,281-86.4% |
| Participant deferral / active EE | $2,171 | $2,091+3.8% | $2,794-22.3% | $3,203-32.2% |
| Admin fee / account holder | $11,960 | $3,771+217.1% | $4,815+148.4% | $4,296+178.4% |