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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 | $117,387 | $183,592-36.1% | $155,574-24.5% | $145,877-19.5% |
| Participation rate | 36.8% | 82.7%-45.9pp | 78.2%-41.4pp | 80.3%-43.5pp |
| Annual return | 1.31% | 61.37%-60.1pp | 64.87%-63.6pp | 551.28%-550.0pp |
| Employer contribution / active EE | $0 | $5,317-100.0% | $4,676-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,212 | $6,466-65.8% | $5,629-60.7% | $6,691-66.9% |
| Admin fee / account holder | $11,555 | $19,316-40.2% | $15,914-27.4% | $13,402-13.8% |