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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 | $13,572 | $61,356-77.9% | $149,696-90.9% | $71,511-81.0% |
| Participation rate | 34.6% | 62.5%-27.9pp | 78.8%-44.2pp | 67.9%-33.3pp |
| Annual return | 7.65% | 35.86%-28.2pp | 134.46%-126.8pp | 28.86%-21.2pp |
| Employer contribution / active EE | $627 | $2,382-73.7% | $4,821-87.0% | $2,589-75.8% |
| Participant deferral / active EE | $1,254 | $2,920-57.1% | $5,682-77.9% | $4,291-70.8% |
| Admin fee / account holder | $2,943 | $1,263+133.0% | $13,212-77.7% | $1,588+85.3% |