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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 | $40,886 | $111,785-63.4% | $93,669-56.4% | $145,877-72.0% |
| Participation rate | 57.1% | 74.2%-17.1pp | 68.7%-11.6pp | 80.3%-23.2pp |
| Annual return | 3.75% | 203.79%-200.0pp | 133.59%-129.8pp | 551.28%-547.5pp |
| Employer contribution / active EE | $1,225 | $3,096-60.4% | $2,424-49.5% | $4,663-73.7% |
| Participant deferral / active EE | $4,961 | $4,919+0.9% | $4,416+12.3% | $6,691-25.9% |
| Admin fee / account holder | $384 | $10,256-96.3% | $8,291-95.4% | $13,402-97.1% |