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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 | $45,915 | $124,330-63.1% | $109,173-57.9% | $167,536-72.6% |
| Participation rate | 50.0% | 79.5%-29.5pp | 75.9%-25.9pp | 82.1%-32.1pp |
| Annual return | 7.05% | 26.04%-19.0pp | 25.75%-18.7pp | 478.82%-471.8pp |
| Employer contribution / active EE | $1,595 | $4,209-62.1% | $3,723-57.1% | $4,839-67.0% |
| Participant deferral / active EE | $4,895 | $5,256-6.9% | $4,654+5.2% | $6,342-22.8% |
| Admin fee / account holder | $9,643 | $7,974+20.9% | $6,755+42.8% | $12,315-21.7% |