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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 | $52,352 | $121,701-57.0% | $104,639-50.0% | $158,982-67.1% |
| Participation rate | 60.0% | 77.5%-17.5pp | 74.1%-14.1pp | 82.0%-22.0pp |
| Annual return | 1.49% | 465.72%-464.2pp | 340.67%-339.2pp | 302.99%-301.5pp |
| Employer contribution / active EE | $3,196 | $3,165+1.0% | $2,682+19.2% | $4,763-32.9% |
| Participant deferral / active EE | $4,270 | $4,176+2.3% | $3,738+14.2% | $5,983-28.6% |
| Admin fee / account holder | $41,351 | $7,778+431.6% | $6,465+539.6% | $11,252+267.5% |