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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 | $31,318 | $83,369-62.4% | $105,223-70.2% | $67,986-53.9% |
| Participation rate | 29.8% | 56.3%-26.5pp | 75.0%-45.3pp | 57.2%-27.4pp |
| Annual return | -61.85% | 24.64%-86.5pp | 180.65%-242.5pp | 31.67%-93.5pp |
| Employer contribution / active EE | $951 | $2,541-62.6% | $3,689-74.2% | $2,019-52.9% |
| Participant deferral / active EE | $1,473 | $3,295-55.3% | $5,072-71.0% | $3,358-56.1% |
| Admin fee / account holder | $3,216 | $4,073-21.0% | $8,859-63.7% | $3,203+0.4% |