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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 | $50,224 | $73,107-31.3% | $114,563-56.2% | $87,485-42.6% |
| Participation rate | 64.3% | 65.8%-1.5pp | 72.9%-8.6pp | 68.9%-4.6pp |
| Annual return | 10.77% | 19.47%-8.7pp | 241.09%-230.3pp | 26.06%-15.3pp |
| Employer contribution / active EE | $1,499 | $1,881-20.3% | $2,592-42.2% | $2,596-42.2% |
| Participant deferral / active EE | $5,582 | $3,144+77.6% | $4,142+34.8% | $4,274+30.6% |
| Admin fee / account holder | $5,603 | $5,770-2.9% | $7,623-26.5% | $7,775-27.9% |