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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 | $50,461 | $57,119-11.7% | $85,187-40.8% | $80,935-37.7% |
| Participation rate | 41.3% | 56.4%-15.1pp | 67.5%-26.2pp | 67.7%-26.4pp |
| Annual return | 10.32% | 21.70%-11.4pp | 66.67%-56.3pp | 35.66%-25.3pp |
| Employer contribution / active EE | $1,012 | $1,802-43.8% | $2,732-63.0% | $2,757-63.3% |
| Participant deferral / active EE | $2,710 | $3,115-13.0% | $4,525-40.1% | $4,299-37.0% |
| Admin fee / account holder | $2,111 | $4,990-57.7% | $6,162-65.7% | $6,924-69.5% |