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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 | $19,568 | $93,124-79.0% | $77,100-74.6% | $134,545-85.5% |
| Participation rate | 27.3% | 74.5%-47.2pp | 67.9%-40.6pp | 81.2%-54.0pp |
| Annual return | -22.06% | 62.68%-84.7pp | 42.35%-64.4pp | 418.37%-440.4pp |
| Employer contribution / active EE | $633 | $3,421-81.5% | $2,815-77.5% | $4,742-86.6% |
| Participant deferral / active EE | $1,239 | $5,242-76.4% | $4,430-72.0% | $6,401-80.7% |
| Admin fee / account holder | $815 | $6,970-88.3% | $5,443-85.0% | $11,431-92.9% |