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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 | $43,143 | $90,486-52.3% | $78,676-45.2% | $273,972-84.3% |
| Participation rate | 68.2% | 76.5%-8.3pp | 73.6%-5.4pp | 83.0%-14.8pp |
| Annual return | -0.32% | 75.62%-75.9pp | 62.19%-62.5pp | 41.46%-41.8pp |
| Employer contribution / active EE | $2,734 | $3,175-13.9% | $2,850-4.1% | $4,869-43.8% |
| Participant deferral / active EE | $1,354 | $3,901-65.3% | $3,517-61.5% | $5,287-74.4% |
| Admin fee / account holder | $391 | $5,263-92.6% | $4,510-91.3% | $10,133-96.1% |