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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 | $28,511 | $56,339-49.4% | $104,301-72.7% | $68,486-58.4% |
| Participation rate | 67.7% | 63.3%+4.5pp | 73.3%-5.5pp | 67.9%-0.2pp |
| Annual return | -23.07% | -9.19%-13.9pp | 24.61%-47.7pp | -7.85%-15.2pp |
| Employer contribution / active EE | $1,833 | $1,960-6.5% | $3,373-45.7% | $2,597-29.4% |
| Participant deferral / active EE | $4,165 | $3,077+35.3% | $4,626-10.0% | $4,028+3.4% |
| Admin fee / account holder | $1,083 | $4,902-77.9% | $7,340-85.2% | $5,404-80.0% |