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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 | $40,007 | $73,978-45.9% | $96,515-58.5% | $75,173-46.8% |
| Participation rate | 50.8% | 66.4%-15.6pp | 74.3%-23.5pp | 67.2%-16.4pp |
| Annual return | 11.48% | 26.72%-15.2pp | 35.73%-24.2pp | 160.72%-149.2pp |
| Employer contribution / active EE | $838 | $2,931-71.4% | $3,740-77.6% | $2,671-68.6% |
| Participant deferral / active EE | $2,040 | $3,660-44.3% | $4,880-58.2% | $4,126-50.6% |
| Admin fee / account holder | $1,308 | $5,219-74.9% | $6,735-80.6% | $5,651-76.9% |