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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 | $43,939 | $183,539-76.1% | $155,556-71.8% | $145,897-69.9% |
| Participation rate | 23.1% | 82.7%-59.6pp | 78.2%-55.1pp | 80.3%-57.2pp |
| Annual return | 5.44% | 61.31%-55.9pp | 64.84%-59.4pp | 552.29%-546.9pp |
| Employer contribution / active EE | $1,031 | $5,315-80.6% | $4,675-77.9% | $4,663-77.9% |
| Participant deferral / active EE | $3,859 | $6,467-40.3% | $5,631-31.5% | $6,689-42.3% |
| Admin fee / account holder | $3,114 | $19,275-83.8% | $15,885-80.4% | $13,390-76.7% |