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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 | $63,292 | $73,863-14.3% | $143,797-56.0% | $68,490-7.6% |
| Participation rate | 34.8% | 66.7%-31.9pp | 80.3%-45.5pp | 67.9%-33.1pp |
| Annual return | -20.68% | 0.91%-21.6pp | -0.04%-20.6pp | -7.85%-12.8pp |
| Employer contribution / active EE | $2,305 | $3,185-27.6% | $4,952-53.5% | $2,597-11.3% |
| Participant deferral / active EE | $3,941 | $3,385+16.4% | $5,638-30.1% | $4,028-2.1% |
| Admin fee / account holder | $11,050 | $5,756+92.0% | $14,679-24.7% | $5,403+104.5% |