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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 | $71,352 | $155,555-54.1% | $146,866-51.4% | $155,188-54.0% |
| Participation rate | 0.0% | 84.0%-84.0pp | 82.5%-82.5pp | 80.8%-80.8pp |
| Annual return | 2.67% | 115.41%-112.7pp | 102.85%-100.2pp | 148.84%-146.2pp |
| Employer contribution / active EE | $1,861 | $4,647-60.0% | $4,425-57.9% | $4,248-56.2% |
| Participant deferral / active EE | $2,598 | $8,044-67.7% | $7,759-66.5% | $6,531-60.2% |
| Admin fee / account holder | $1,203 | $14,755-91.8% | $13,620-91.2% | $14,480-91.7% |