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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 | $52,657 | $124,425-57.7% | $112,040-53.0% | $137,256-61.6% |
| Participation rate | 30.8% | 79.3%-48.5pp | 76.5%-45.7pp | 80.0%-49.2pp |
| Annual return | 5.31% | 24.72%-19.4pp | 24.52%-19.2pp | 220.34%-215.0pp |
| Employer contribution / active EE | $1,826 | $3,411-46.5% | $2,954-38.2% | $4,156-56.1% |
| Participant deferral / active EE | $5,170 | $5,718-9.6% | $5,098+1.4% | $6,407-19.3% |
| Admin fee / account holder | $141,754 | $15,207+832.2% | $12,098+1071.7% | $12,270+1055.3% |