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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 | $26,485 | $104,664-74.7% | $85,693-69.1% | $167,518-84.2% |
| Participation rate | 50.0% | 76.4%-26.4pp | 69.9%-19.9pp | 82.1%-32.1pp |
| Annual return | 7.25% | 21.45%-14.2pp | 21.49%-14.2pp | 478.71%-471.5pp |
| Employer contribution / active EE | $1,346 | $3,337-59.7% | $2,618-48.6% | $4,838-72.2% |
| Participant deferral / active EE | $1,586 | $4,824-67.1% | $3,923-59.6% | $6,342-75.0% |
| Admin fee / account holder | $11,289 | $10,032+12.5% | $6,874+64.2% | $12,312-8.3% |