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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 | $26,657 | $89,259-70.1% | $107,187-75.1% | $82,637-67.7% |
| Participation rate | 60.0% | 67.9%-7.9pp | 75.0%-15.0pp | 68.1%-8.1pp |
| Annual return | 1.21% | 21.02%-19.8pp | 204.55%-203.3pp | 53.51%-52.3pp |
| Employer contribution / active EE | $6,106 | $3,080+98.2% | $3,782+61.4% | $2,552+139.2% |
| Participant deferral / active EE | $0 | $4,037-100.0% | $5,096-100.0% | $4,126-100.0% |
| Admin fee / account holder | $5,484 | $7,381-25.7% | $9,162-40.1% | $7,339-25.3% |