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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 | $31,079 | $64,324-51.7% | $118,914-73.9% | $79,856-61.1% |
| Participation rate | 60.9% | 64.9%-4.0pp | 75.4%-14.5pp | 69.6%-8.8pp |
| Annual return | 8.10% | 86.45%-78.3pp | 35.89%-27.8pp | 31.71%-23.6pp |
| Employer contribution / active EE | $857 | $1,836-53.3% | $3,264-73.7% | $2,471-65.3% |
| Participant deferral / active EE | $2,232 | $2,824-21.0% | $4,266-47.7% | $3,741-40.3% |
| Admin fee / account holder | $1,378 | $4,040-65.9% | $6,582-79.1% | $5,306-74.0% |