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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 | $45,066 | $106,247-57.6% | $96,515-53.3% | $139,466-67.7% |
| Participation rate | 59.1% | 77.8%-18.8pp | 74.3%-15.3pp | 80.3%-21.2pp |
| Annual return | -0.01% | 38.47%-38.5pp | 35.73%-35.7pp | 373.66%-373.7pp |
| Employer contribution / active EE | $2,068 | $4,106-49.6% | $3,740-44.7% | $4,754-56.5% |
| Participant deferral / active EE | $4,366 | $5,456-20.0% | $4,880-10.5% | $6,712-35.0% |
| Admin fee / account holder | $2,556 | $7,885-67.6% | $6,735-62.0% | $11,409-77.6% |