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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 | $4,624 | $29,736-84.4% | $56,033-91.7% | $80,935-94.3% |
| Participation rate | 43.8% | 41.7%+2.1pp | 52.5%-8.7pp | 67.7%-23.9pp |
| Annual return | 9.49% | 35.28%-25.8pp | 1711.38%-1701.9pp | 35.66%-26.2pp |
| Employer contribution / active EE | $514 | $671-23.4% | $1,041-50.6% | $2,757-81.3% |
| Participant deferral / active EE | $588 | $1,228-52.1% | $1,954-69.9% | $4,299-86.3% |
| Admin fee / account holder | $543 | $2,434-77.7% | $2,827-80.8% | $6,924-92.2% |