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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 | $62,366 | $72,027-13.4% | $185,861-66.4% | $79,856-21.9% |
| Participation rate | 36.0% | 65.8%-29.8pp | 78.0%-42.0pp | 69.6%-33.6pp |
| Annual return | 7.66% | 23.13%-15.5pp | 35.96%-28.3pp | 31.71%-24.1pp |
| Employer contribution / active EE | $977 | $1,965-50.3% | $4,088-76.1% | $2,471-60.5% |
| Participant deferral / active EE | $2,254 | $3,780-40.4% | $5,634-60.0% | $3,741-39.7% |
| Admin fee / account holder | $36,404 | $4,513+706.6% | $9,503+283.1% | $5,306+586.0% |