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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 | $40,911 | $63,904-36.0% | $89,340-54.2% | $67,986-39.8% |
| Participation rate | 17.7% | 54.3%-36.7pp | 69.6%-51.9pp | 57.2%-39.5pp |
| Annual return | 5.82% | 18.09%-12.3pp | 20.57%-14.8pp | 31.67%-25.8pp |
| Employer contribution / active EE | $0 | $1,627-100.0% | $2,231-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,317 | $2,691-51.0% | $3,823-65.5% | $3,358-60.8% |
| Admin fee / account holder | $8,711 | $3,315+162.8% | $6,704+29.9% | $3,203+172.0% |