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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 | $49,330 | $81,504-39.5% | $102,437-51.8% | $80,959-39.1% |
| Participation rate | 43.3% | 66.9%-23.5pp | 74.5%-31.2pp | 67.7%-24.3pp |
| Annual return | 9.07% | 25.60%-16.5pp | 24.95%-15.9pp | 35.67%-26.6pp |
| Employer contribution / active EE | $2,476 | $3,104-20.2% | $3,871-36.0% | $2,757-10.2% |
| Participant deferral / active EE | $4,102 | $3,871+6.0% | $5,060-18.9% | $4,300-4.6% |
| Admin fee / account holder | $36,317 | $6,719+440.5% | $8,388+333.0% | $6,925+424.4% |