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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 | $82,025 | $95,453-14.1% | $112,040-26.8% | $82,448-0.5% |
| Participation rate | 53.3% | 72.8%-19.4pp | 76.5%-23.2pp | 68.1%-14.7pp |
| Annual return | 7.24% | 23.92%-16.7pp | 24.52%-17.3pp | 41.64%-34.4pp |
| Employer contribution / active EE | $903 | $2,318-61.0% | $2,954-69.4% | $2,551-64.6% |
| Participant deferral / active EE | $3,382 | $4,224-19.9% | $5,098-33.7% | $4,139-18.3% |
| Admin fee / account holder | $70,605 | $9,013+683.3% | $12,098+483.6% | $7,234+876.0% |