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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 | $25,274 | $134,817-81.3% | $123,973-79.6% | $155,188-83.7% |
| Participation rate | 63.6% | 79.4%-15.8pp | 76.7%-13.0pp | 80.8%-17.2pp |
| Annual return | 6.77% | 515.49%-508.7pp | 388.13%-381.4pp | 148.84%-142.1pp |
| Employer contribution / active EE | $1,879 | $4,425-57.5% | $4,126-54.4% | $4,248-55.8% |
| Participant deferral / active EE | $3,654 | $5,706-36.0% | $5,247-30.4% | $6,531-44.1% |
| Admin fee / account holder | $32,774 | $13,245+147.4% | $11,799+177.8% | $14,480+126.3% |