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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 | $32,578 | $67,602-51.8% | $82,312-60.4% | $70,126-53.5% |
| Participation rate | 50.8% | 72.8%-21.9pp | 76.9%-26.0pp | 69.5%-18.7pp |
| Annual return | 10.33% | 21.57%-11.2pp | 25.88%-15.6pp | 73.15%-62.8pp |
| Employer contribution / active EE | $784 | $1,755-55.3% | $2,428-67.7% | $2,343-66.5% |
| Participant deferral / active EE | $1,475 | $2,987-50.6% | $3,706-60.2% | $3,332-55.7% |
| Admin fee / account holder | $682 | $4,512-84.9% | $5,608-87.8% | $4,645-85.3% |