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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 | $52,524 | $29,736+76.6% | $56,033-6.3% | $80,935-35.1% |
| Participation rate | 22.5% | 41.7%-19.2pp | 52.5%-30.0pp | 67.7%-45.2pp |
| Annual return | 10.25% | 35.28%-25.0pp | 1711.38%-1701.1pp | 35.66%-25.4pp |
| Employer contribution / active EE | $487 | $671-27.5% | $1,041-53.2% | $2,757-82.3% |
| Participant deferral / active EE | $1,261 | $1,228+2.7% | $1,954-35.4% | $4,299-70.7% |
| Admin fee / account holder | $829 | $2,434-65.9% | $2,827-70.7% | $6,924-88.0% |