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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 | $62,965 | $75,541-16.6% | $152,093-58.6% | $82,637-23.8% |
| Participation rate | 45.5% | 66.5%-21.1pp | 77.8%-32.3pp | 68.1%-22.6pp |
| Annual return | 11.51% | 32.56%-21.0pp | 66.36%-54.8pp | 53.51%-42.0pp |
| Employer contribution / active EE | $1,126 | $2,622-57.1% | $4,175-73.0% | $2,552-55.9% |
| Participant deferral / active EE | $1,972 | $3,206-38.5% | $5,451-63.8% | $4,126-52.2% |
| Admin fee / account holder | $1,389 | $6,405-78.3% | $14,497-90.4% | $7,339-81.1% |