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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 | $75,630 | $73,863+2.4% | $143,797-47.4% | $68,490+10.4% |
| Participation rate | 58.1% | 66.7%-8.6pp | 80.3%-22.3pp | 67.9%-9.8pp |
| Annual return | -20.03% | 0.91%-20.9pp | -0.04%-20.0pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,119 | $3,185-64.9% | $4,952-77.4% | $2,597-56.9% |
| Participant deferral / active EE | $3,112 | $3,385-8.0% | $5,638-44.8% | $4,028-22.7% |
| Admin fee / account holder | $15,350 | $5,756+166.7% | $14,679+4.6% | $5,403+184.1% |