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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 | $27,504 | $28,624-3.9% | $53,647-48.7% | $82,637-66.7% |
| Participation rate | 36.4% | 47.3%-10.9pp | 56.3%-19.9pp | 68.1%-31.7pp |
| Annual return | 9.65% | 664.98%-655.3pp | 358.33%-348.7pp | 53.51%-43.9pp |
| Employer contribution / active EE | $789 | $637+23.9% | $962-18.0% | $2,552-69.1% |
| Participant deferral / active EE | $1,888 | $1,196+57.8% | $1,813+4.1% | $4,126-54.2% |
| Admin fee / account holder | $23,235 | $2,022+1049.3% | $2,460+844.6% | $7,339+216.6% |