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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 | $37,159 | $46,877-20.7% | $122,354-69.6% | $70,126-47.0% |
| Participation rate | 30.8% | 58.2%-27.4pp | 71.6%-40.9pp | 69.5%-38.8pp |
| Annual return | 8.12% | 24.22%-16.1pp | 30.28%-22.2pp | 73.15%-65.0pp |
| Employer contribution / active EE | $584 | $1,288-54.7% | $4,051-85.6% | $2,343-75.1% |
| Participant deferral / active EE | $843 | $2,167-61.1% | $3,287-74.3% | $3,332-74.7% |
| Admin fee / account holder | $3,557 | $3,324+7.0% | $5,479-35.1% | $4,645-23.4% |