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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 | $30,225 | $64,729-53.3% | $112,263-73.1% | $68,490-55.9% |
| Participation rate | 60.0% | 67.2%-7.2pp | 75.1%-15.1pp | 67.9%-7.9pp |
| Annual return | -20.31% | -11.40%-8.9pp | 27.49%-47.8pp | -7.85%-12.5pp |
| Employer contribution / active EE | $2,226 | $2,746-18.9% | $3,636-38.8% | $2,597-14.3% |
| Participant deferral / active EE | $3,957 | $3,566+11.0% | $4,729-16.3% | $4,028-1.8% |
| Admin fee / account holder | $2,476 | $5,222-52.6% | $6,410-61.4% | $5,403-54.2% |