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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 | $193,019 | $53,162+263.1% | $91,225+111.6% | $68,486+181.8% |
| Participation rate | 19.5% | 63.2%-43.7pp | 73.2%-53.7pp | 67.9%-48.4pp |
| Annual return | -20.95% | -3.14%-17.8pp | 114.12%-135.1pp | -7.85%-13.1pp |
| Employer contribution / active EE | $751 | $1,709-56.1% | $2,851-73.7% | $2,597-71.1% |
| Participant deferral / active EE | $2,049 | $2,974-31.1% | $4,233-51.6% | $4,028-49.1% |
| Admin fee / account holder | $2,803 | $4,493-37.6% | $5,422-48.3% | $5,404-48.1% |