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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 | $53,290 | $98,463-45.9% | $119,258-55.3% | $85,847-37.9% |
| Participation rate | 46.0% | 77.6%-31.6pp | 82.7%-36.7pp | 69.3%-23.3pp |
| Annual return | 11.27% | 38.53%-27.3pp | 30.69%-19.4pp | 318.61%-307.3pp |
| Employer contribution / active EE | $1,238 | $3,698-66.5% | $4,384-71.8% | $2,565-51.7% |
| Participant deferral / active EE | $2,932 | $4,942-40.7% | $6,111-52.0% | $3,952-25.8% |
| Admin fee / account holder | $5,965 | $7,493-20.4% | $7,226-17.4% | $6,261-4.7% |