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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 | $74,819 | $172,111-56.5% | $150,298-50.2% | $137,256-45.5% |
| Participation rate | 42.9% | 81.7%-38.9pp | 77.8%-34.9pp | 80.0%-37.1pp |
| Annual return | 10.09% | 69.37%-59.3pp | 62.79%-52.7pp | 220.34%-210.3pp |
| Employer contribution / active EE | $3,047 | $4,636-34.3% | $4,154-26.7% | $4,156-26.7% |
| Participant deferral / active EE | $5,367 | $6,166-12.9% | $5,453-1.6% | $6,407-16.2% |
| Admin fee / account holder | $23,434 | $16,471+42.3% | $14,116+66.0% | $12,270+91.0% |