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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 | $36,894 | $73,009-49.5% | $90,756-59.3% | $68,495-46.1% |
| Participation rate | 65.1% | 70.8%-5.8pp | 75.7%-10.6pp | 67.9%-2.8pp |
| Annual return | -18.95% | -13.81%-5.1pp | -12.16%-6.8pp | -7.84%-11.1pp |
| Employer contribution / active EE | $3,415 | $2,193+55.7% | $2,922+16.9% | $2,596+31.5% |
| Participant deferral / active EE | $6,210 | $3,626+71.3% | $4,565+36.0% | $4,028+54.2% |
| Admin fee / account holder | $2,702 | $5,896-54.2% | $8,445-68.0% | $5,403-50.0% |