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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 | $22,638 | $77,816-70.9% | $123,549-81.7% | $64,181-64.7% |
| Participation rate | 61.7% | 74.7%-13.0pp | 82.3%-20.6pp | 69.6%-7.9pp |
| Annual return | -10.98% | 12.49%-23.5pp | 119.20%-130.2pp | 7.63%-18.6pp |
| Employer contribution / active EE | $1,966 | $3,014-34.8% | $4,628-57.5% | $2,381-17.4% |
| Participant deferral / active EE | $3,791 | $5,240-27.6% | $6,426-41.0% | $3,470+9.3% |
| Admin fee / account holder | $308 | $5,519-94.4% | $9,284-96.7% | $4,887-93.7% |