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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 | $51,366 | $68,880-25.4% | $120,580-57.4% | $80,959-36.6% |
| Participation rate | 60.5% | 61.7%-1.2pp | 72.0%-11.4pp | 67.7%-7.1pp |
| Annual return | 7.45% | 23.68%-16.2pp | 107.48%-100.0pp | 35.67%-28.2pp |
| Employer contribution / active EE | $1,195 | $2,066-42.2% | $3,469-65.6% | $2,757-56.7% |
| Participant deferral / active EE | $2,121 | $3,191-33.5% | $4,995-57.5% | $4,300-50.7% |
| Admin fee / account holder | $4,564 | $5,785-21.1% | $9,418-51.5% | $6,925-34.1% |