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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 | $55,811 | $88,778-37.1% | $81,844-31.8% | $145,884-61.7% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 5.51% | 1033.03%-1027.5pp | 778.87%-773.4pp | 551.85%-546.3pp |
| Employer contribution / active EE | $1,200 | $3,087-61.1% | $2,916-58.9% | $4,662-74.3% |
| Participant deferral / active EE | $13,500 | $4,648+190.4% | $4,323+212.2% | $6,690+101.8% |
| Admin fee / account holder | $625 | $8,430-92.6% | $7,355-91.5% | $13,392-95.3% |