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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 | $56,592 | $59,819-5.4% | $79,583-28.9% | $68,490-17.4% |
| Participation rate | 49.3% | 61.1%-11.8pp | 69.5%-20.2pp | 67.9%-18.6pp |
| Annual return | -19.53% | -12.30%-7.2pp | 0.16%-19.7pp | -7.85%-11.7pp |
| Employer contribution / active EE | $1,072 | $1,505-28.8% | $2,414-55.6% | $2,597-58.7% |
| Participant deferral / active EE | $2,406 | $3,025-20.5% | $3,986-39.6% | $4,028-40.3% |
| Admin fee / account holder | $799 | $4,835-83.5% | $6,835-88.3% | $5,403-85.2% |