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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 | $82,873 | $62,583+32.4% | $76,767+8.0% | $64,173+29.1% |
| Participation rate | 43.9% | 72.8%-28.9pp | 77.0%-33.1pp | 69.6%-25.7pp |
| Annual return | -8.44% | -1.95%-6.5pp | 2.43%-10.9pp | 7.63%-16.1pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,582 | $3,145-17.9% | $3,852-33.0% | $3,470-25.6% |
| Admin fee / account holder | $7,724 | $4,667+65.5% | $6,675+15.7% | $4,887+58.0% |