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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 | $25,745 | $57,541-55.3% | $95,759-73.1% | $75,177-65.8% |
| Participation rate | 51.2% | 62.5%-11.3pp | 72.3%-21.0pp | 67.2%-16.0pp |
| Annual return | 11.21% | 34.93%-23.7pp | 28.42%-17.2pp | 160.75%-149.5pp |
| Employer contribution / active EE | $545 | $1,808-69.8% | $2,836-80.8% | $2,671-79.6% |
| Participant deferral / active EE | $1,282 | $3,074-58.3% | $4,244-69.8% | $4,126-68.9% |
| Admin fee / account holder | $17,493 | $4,099+326.8% | $5,678+208.1% | $5,651+209.5% |