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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 | $53,356 | $51,466+3.7% | $78,778-32.3% | $62,293-14.3% |
| Participation rate | 49.0% | 59.8%-10.8pp | 69.2%-20.2pp | 69.5%-20.5pp |
| Annual return | 11.87% | 19.96%-8.1pp | 35.62%-23.7pp | 28.90%-17.0pp |
| Employer contribution / active EE | $332 | $827-59.9% | $1,986-83.3% | $2,042-83.8% |
| Participant deferral / active EE | $2,138 | $2,147-0.4% | $2,958-27.7% | $3,169-32.5% |
| Admin fee / account holder | $1,305 | $489+166.7% | $5,134-74.6% | $479+172.2% |