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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 | $47,220 | $27,639+70.8% | $61,501-23.2% | $68,490-31.1% |
| Participation rate | 36.7% | 39.5%-2.8pp | 52.6%-15.9pp | 67.9%-31.2pp |
| Annual return | -21.32% | -13.19%-8.1pp | 339.04%-360.4pp | -7.85%-13.5pp |
| Employer contribution / active EE | $554 | $696-20.3% | $1,160-52.2% | $2,597-78.6% |
| Participant deferral / active EE | $2,029 | $1,264+60.5% | $2,125-4.5% | $4,028-49.6% |
| Admin fee / account holder | $611 | $2,012-69.6% | $2,132-71.3% | $5,403-88.7% |