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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 | $58,466 | $148,623-60.7% | $135,974-57.0% | $139,466-58.1% |
| Participation rate | 29.4% | 83.9%-54.5pp | 81.9%-52.5pp | 80.3%-50.9pp |
| Annual return | 9.36% | 79.30%-69.9pp | 68.30%-58.9pp | 373.66%-364.3pp |
| Employer contribution / active EE | $1,341 | $5,246-74.4% | $4,859-72.4% | $4,754-71.8% |
| Participant deferral / active EE | $2,986 | $8,103-63.1% | $7,760-61.5% | $6,712-55.5% |
| Admin fee / account holder | $62,621 | $12,406+404.8% | $10,767+481.6% | $11,409+448.9% |