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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 | $21,688 | $43,075-49.7% | $74,577-70.9% | $62,881-65.5% |
| Participation rate | 50.0% | 58.1%-8.1pp | 68.1%-18.1pp | 69.3%-19.3pp |
| Annual return | 4.46% | 17.50%-13.0pp | 20.47%-16.0pp | 20.14%-15.7pp |
| Employer contribution / active EE | $221 | $1,498-85.3% | $2,525-91.3% | $2,281-90.3% |
| Participant deferral / active EE | $883 | $2,389-63.0% | $3,458-74.5% | $3,203-72.4% |
| Admin fee / account holder | $1,437 | $2,840-49.4% | $4,138-65.3% | $4,296-66.5% |