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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 | $39,038 | $47,944-18.6% | $67,834-42.5% | $62,881-37.9% |
| Participation rate | 56.2% | 61.1%-4.9pp | 68.8%-12.6pp | 69.3%-13.1pp |
| Annual return | 4.41% | 11.77%-7.4pp | 138.47%-134.1pp | 20.14%-15.7pp |
| Employer contribution / active EE | $1,021 | $1,562-34.7% | $2,403-57.5% | $2,281-55.3% |
| Participant deferral / active EE | $1,623 | $2,247-27.8% | $3,160-48.6% | $3,203-49.3% |
| Admin fee / account holder | $9,038 | $3,712+143.5% | $4,622+95.5% | $4,296+110.4% |