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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 | $23,143 | $162,967-85.8% | $135,792-83.0% | $138,895-83.3% |
| Participation rate | 42.9% | 78.3%-35.5pp | 72.6%-29.7pp | 79.9%-37.1pp |
| Annual return | 2.77% | 30.08%-27.3pp | 25.96%-23.2pp | 145.39%-142.6pp |
| Employer contribution / active EE | $893 | $4,211-78.8% | $3,496-74.4% | $4,194-78.7% |
| Participant deferral / active EE | $1,383 | $5,640-75.5% | $4,759-70.9% | $6,396-78.4% |
| Admin fee / account holder | $6,525 | $15,306-57.4% | $12,266-46.8% | $12,562-48.1% |