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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 | $31,714 | $124,980-74.6% | $108,359-70.7% | $154,746-79.5% |
| Participation rate | 33.3% | 75.2%-41.8pp | 70.1%-36.8pp | 80.7%-47.4pp |
| Annual return | 8.25% | 45.00%-36.8pp | 36.89%-28.6pp | 172.34%-164.1pp |
| Employer contribution / active EE | $577 | $2,851-79.7% | $2,399-75.9% | $4,379-86.8% |
| Participant deferral / active EE | $1,382 | $4,743-70.9% | $4,137-66.6% | $6,730-79.5% |
| Admin fee / account holder | $5,298 | $11,502-53.9% | $9,741-45.6% | $14,365-63.1% |