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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 | $29,950 | $29,736+0.7% | $56,033-46.5% | $80,935-63.0% |
| Participation rate | 12.0% | 41.7%-29.7pp | 52.5%-40.5pp | 67.7%-55.7pp |
| Annual return | 9.21% | 35.28%-26.1pp | 1711.38%-1702.2pp | 35.66%-26.5pp |
| Employer contribution / active EE | $213 | $671-68.3% | $1,041-79.5% | $2,757-92.3% |
| Participant deferral / active EE | $458 | $1,228-62.7% | $1,954-76.5% | $4,299-89.3% |
| Admin fee / account holder | $1,274 | $2,434-47.6% | $2,827-54.9% | $6,924-81.6% |