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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 | $26,182 | $59,819-56.2% | $79,583-67.1% | $68,490-61.8% |
| Participation rate | 37.3% | 61.1%-23.8pp | 69.5%-32.2pp | 67.9%-30.6pp |
| Annual return | -21.54% | -12.30%-9.2pp | 0.16%-21.7pp | -7.85%-13.7pp |
| Employer contribution / active EE | $983 | $1,505-34.7% | $2,414-59.3% | $2,597-62.2% |
| Participant deferral / active EE | $2,701 | $3,025-10.7% | $3,986-32.2% | $4,028-32.9% |
| Admin fee / account holder | $520 | $4,835-89.2% | $6,835-92.4% | $5,403-90.4% |