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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 | $51,045 | $88,672-42.4% | $105,223-51.5% | $82,448-38.1% |
| Participation rate | 51.9% | 67.9%-16.0pp | 75.0%-23.1pp | 68.1%-16.1pp |
| Annual return | 11.31% | 30.86%-19.5pp | 180.65%-169.3pp | 41.64%-30.3pp |
| Employer contribution / active EE | $2,134 | $3,048-30.0% | $3,689-42.2% | $2,551-16.4% |
| Participant deferral / active EE | $5,010 | $4,036+24.1% | $5,072-1.2% | $4,139+21.0% |
| Admin fee / account holder | $35,629 | $7,146+398.6% | $8,859+302.2% | $7,234+392.5% |