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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 | $77,505 | $110,337-29.8% | $102,383-24.3% | $145,877-46.9% |
| Participation rate | 37.5% | 77.9%-40.4pp | 74.5%-37.0pp | 80.3%-42.8pp |
| Annual return | 8.91% | 24.83%-15.9pp | 24.94%-16.0pp | 551.28%-542.4pp |
| Employer contribution / active EE | $1,215 | $4,216-71.2% | $3,870-68.6% | $4,663-73.9% |
| Participant deferral / active EE | $2,497 | $5,621-55.6% | $5,060-50.6% | $6,691-62.7% |
| Admin fee / account holder | $21,407 | $9,750+119.6% | $8,391+155.1% | $13,402+59.7% |