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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 | $43,352 | $77,901-44.3% | $149,717-71.0% | $75,181-42.3% |
| Participation rate | 51.7% | 65.6%-13.9pp | 78.8%-27.1pp | 67.2%-15.5pp |
| Annual return | 9.14% | 31.73%-22.6pp | 134.41%-125.3pp | 160.69%-151.5pp |
| Employer contribution / active EE | $1,050 | $3,137-66.5% | $4,820-78.2% | $2,671-60.7% |
| Participant deferral / active EE | $2,089 | $3,411-38.8% | $5,682-63.2% | $4,126-49.4% |
| Admin fee / account holder | $1,252 | $5,949-79.0% | $13,213-90.5% | $5,650-77.8% |