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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 | $14,592 | $96,691-84.9% | $86,656-83.2% | $139,487-89.5% |
| Participation rate | 33.3% | 74.4%-41.1pp | 71.7%-38.4pp | 80.3%-47.0pp |
| Annual return | 10.28% | 106.87%-96.6pp | 593.09%-582.8pp | 373.84%-363.6pp |
| Employer contribution / active EE | $1,213 | $3,267-62.9% | $3,025-59.9% | $4,755-74.5% |
| Participant deferral / active EE | $1,213 | $4,838-74.9% | $4,439-72.7% | $6,713-81.9% |
| Admin fee / account holder | $11,589 | $6,414+80.7% | $5,619+106.3% | $11,407+1.6% |