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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 | $27,895 | $71,873-61.2% | $86,698-67.8% | $68,490-59.3% |
| Participation rate | 29.5% | 72.2%-42.7pp | 76.6%-47.0pp | 67.9%-38.4pp |
| Annual return | -21.83% | 3.54%-25.4pp | 35.96%-57.8pp | -7.85%-14.0pp |
| Employer contribution / active EE | $1,006 | $2,173-53.7% | $2,837-64.6% | $2,597-61.3% |
| Participant deferral / active EE | $2,076 | $3,779-45.1% | $4,656-55.4% | $4,028-48.5% |
| Admin fee / account holder | $5,035 | $6,110-17.6% | $7,492-32.8% | $5,403-6.8% |