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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 | $66,268 | $182,442-63.7% | $163,379-59.4% | $138,895-52.3% |
| Participation rate | 22.7% | 79.8%-57.1pp | 76.8%-54.1pp | 79.9%-57.2pp |
| Annual return | 9.24% | 72.74%-63.5pp | 63.41%-54.2pp | 145.39%-136.2pp |
| Employer contribution / active EE | $0 | $4,159-100.0% | $3,752-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,210 | $6,817-82.2% | $6,282-80.7% | $6,396-81.1% |
| Admin fee / account holder | $28,282 | $10,396+172.1% | $9,818+188.1% | $12,562+125.1% |