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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 | $47,486 | $19,646+141.7% | $71,585-33.7% | $64,097-25.9% |
| Participation rate | 46.6% | 64.7%-18.1pp | 68.2%-21.5pp | 55.2%-8.6pp |
| Annual return | 13.10% | 36.81%-23.7pp | 59.26%-46.2pp | 34.64%-21.5pp |
| Employer contribution / active EE | $1,309 | $713+83.5% | $1,669-21.6% | $1,891-30.8% |
| Participant deferral / active EE | $2,580 | $1,665+55.0% | $2,923-11.8% | $3,080-16.2% |
| Admin fee / account holder | $4,310 | $1,850+133.0% | $4,712-8.5% | $3,454+24.8% |