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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 | $59,859 | $149,040-59.8% | $120,225-50.2% | $137,256-56.4% |
| Participation rate | 20.0% | 75.4%-55.4pp | 69.6%-49.6pp | 80.0%-60.0pp |
| Annual return | 9.24% | 605.68%-596.4pp | 439.23%-430.0pp | 220.34%-211.1pp |
| Employer contribution / active EE | $600 | $4,350-86.2% | $3,475-82.7% | $4,156-85.6% |
| Participant deferral / active EE | $1,040 | $4,655-77.7% | $3,999-74.0% | $6,407-83.8% |
| Admin fee / account holder | $890 | $6,348-86.0% | $5,696-84.4% | $12,270-92.8% |