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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 | $32,264 | $59,111-45.4% | $86,451-62.7% | $68,490-52.9% |
| Participation rate | 62.5% | 75.2%-12.7pp | 80.3%-17.8pp | 67.9%-5.4pp |
| Annual return | -19.88% | -0.22%-19.7pp | 4398.51%-4418.4pp | -7.85%-12.0pp |
| Employer contribution / active EE | $1,226 | $2,519-51.3% | $3,770-67.5% | $2,597-52.8% |
| Participant deferral / active EE | $3,156 | $5,900-46.5% | $6,953-54.6% | $4,028-21.6% |
| Admin fee / account holder | $3,549 | $5,640-37.1% | $6,734-47.3% | $5,403-34.3% |