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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 | $66,496 | $88,672-25.0% | $105,223-36.8% | $82,448-19.3% |
| Participation rate | 32.1% | 67.9%-35.8pp | 75.0%-42.9pp | 68.1%-35.9pp |
| Annual return | 11.41% | 30.86%-19.4pp | 180.65%-169.2pp | 41.64%-30.2pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,811 | $4,036-55.1% | $5,072-64.3% | $4,139-56.2% |
| Admin fee / account holder | $529 | $7,146-92.6% | $8,859-94.0% | $7,234-92.7% |