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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 | $58,829 | $133,998-56.1% | $112,263-47.6% | $134,545-56.3% |
| Participation rate | 33.3% | 78.6%-45.2pp | 75.1%-41.7pp | 81.2%-47.9pp |
| Annual return | -22.16% | 47.17%-69.3pp | 27.49%-49.7pp | 418.37%-440.5pp |
| Employer contribution / active EE | $883 | $4,040-78.1% | $3,636-75.7% | $4,742-81.4% |
| Participant deferral / active EE | $2,134 | $5,292-59.7% | $4,729-54.9% | $6,401-66.7% |
| Admin fee / account holder | $588 | $7,493-92.2% | $6,410-90.8% | $11,431-94.9% |