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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 | $24,116 | $62,586-61.5% | $76,766-68.6% | $64,181-62.4% |
| Participation rate | 57.8% | 72.8%-15.0pp | 77.0%-19.2pp | 69.6%-11.8pp |
| Annual return | -9.00% | -1.95%-7.1pp | 2.43%-11.4pp | 7.63%-16.6pp |
| Employer contribution / active EE | $1,300 | $1,832-29.0% | $2,485-47.7% | $2,381-45.4% |
| Participant deferral / active EE | $3,245 | $3,145+3.2% | $3,851-15.7% | $3,470-6.5% |
| Admin fee / account holder | $2,337 | $4,667-49.9% | $6,675-65.0% | $4,887-52.2% |