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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 | $40,721 | $56,134-27.5% | $96,192-57.7% | $85,851-52.6% |
| Participation rate | 52.6% | 56.7%-4.1pp | 68.4%-15.8pp | 69.3%-16.7pp |
| Annual return | 9.02% | 42.30%-33.3pp | 192.09%-183.1pp | 318.63%-309.6pp |
| Employer contribution / active EE | $1,475 | $1,620-8.9% | $2,799-47.3% | $2,565-42.5% |
| Participant deferral / active EE | $3,790 | $2,858+32.6% | $4,351-12.9% | $3,952-4.1% |
| Admin fee / account holder | $11,768 | $3,769+212.2% | $5,539+112.4% | $6,261+88.0% |