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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 | $56,988 | $109,372-47.9% | $89,414-36.3% | $158,966-64.2% |
| Participation rate | 50.0% | 74.3%-24.3pp | 68.0%-18.0pp | 82.0%-32.0pp |
| Annual return | 4.50% | 345.55%-341.1pp | 245.50%-241.0pp | 302.95%-298.5pp |
| Employer contribution / active EE | $0 | $3,171-100.0% | $2,586-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $2,906 | $4,598-36.8% | $3,890-25.3% | $5,983-51.4% |
| Admin fee / account holder | $39,607 | $6,156+543.4% | $4,883+711.1% | $11,250+252.1% |