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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 | $30,093 | $50,082-39.9% | $93,515-67.8% | $79,856-62.3% |
| Participation rate | 57.6% | 60.9%-3.3pp | 66.8%-9.2pp | 69.6%-12.0pp |
| Annual return | 9.56% | 24.59%-15.0pp | 78.21%-68.7pp | 31.71%-22.2pp |
| Employer contribution / active EE | $1,084 | $1,303-16.8% | $2,077-47.8% | $2,471-56.1% |
| Participant deferral / active EE | $2,051 | $2,212-7.3% | $3,129-34.4% | $3,741-45.2% |
| Admin fee / account holder | $4,627 | $3,454+34.0% | $5,235-11.6% | $5,306-12.8% |