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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 | $47,244 | $51,638-8.5% | $68,368-30.9% | $82,448-42.7% |
| Participation rate | 49.0% | 63.6%-14.6pp | 73.8%-24.8pp | 68.1%-19.1pp |
| Annual return | 9.82% | 37.53%-27.7pp | 292.57%-282.8pp | 41.64%-31.8pp |
| Employer contribution / active EE | $2,000 | $2,047-2.3% | $2,649-24.5% | $2,551-21.6% |
| Participant deferral / active EE | $3,013 | $2,914+3.4% | $4,123-26.9% | $4,139-27.2% |
| Admin fee / account holder | $33,977 | $4,643+631.7% | $5,150+559.8% | $7,234+369.7% |