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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 | $49,596 | $74,535-33.5% | $100,712-50.8% | $82,637-40.0% |
| Participation rate | 43.1% | 61.2%-18.0pp | 69.3%-26.1pp | 68.1%-24.9pp |
| Annual return | 12.03% | 18.92%-6.9pp | 33.27%-21.2pp | 53.51%-41.5pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,022 | $3,074-34.2% | $4,085-50.5% | $4,126-51.0% |
| Admin fee / account holder | $6,786 | $6,576+3.2% | $9,256-26.7% | $7,339-7.5% |