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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 | $45,513 | $47,848-4.9% | $81,473-44.1% | $70,124-35.1% |
| Participation rate | 23.5% | 58.3%-34.7pp | 68.0%-44.4pp | 69.5%-46.0pp |
| Annual return | 12.03% | 27.25%-15.2pp | 38.78%-26.8pp | 73.14%-61.1pp |
| Employer contribution / active EE | $689 | $1,527-54.9% | $2,568-73.2% | $2,342-70.6% |
| Participant deferral / active EE | $1,596 | $2,453-35.0% | $3,537-54.9% | $3,332-52.1% |
| Admin fee / account holder | $26,748 | $3,145+750.5% | $4,561+486.4% | $4,645+475.8% |