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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 | $34,919 | $65,027-46.3% | $90,970-61.6% | $79,852-56.3% |
| Participation rate | 69.6% | 61.6%+8.0pp | 69.0%+0.6pp | 69.6%-0.1pp |
| Annual return | 8.76% | 30.45%-21.7pp | 134.58%-125.8pp | 31.72%-23.0pp |
| Employer contribution / active EE | $856 | $1,247-31.3% | $2,122-59.7% | $2,471-65.3% |
| Participant deferral / active EE | $2,061 | $2,512-18.0% | $3,373-38.9% | $3,740-44.9% |
| Admin fee / account holder | $2,918 | $4,535-35.7% | $5,960-51.0% | $5,306-45.0% |