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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 | $25,997 | $64,729-59.8% | $112,263-76.8% | $68,490-62.0% |
| Participation rate | 50.0% | 67.2%-17.2pp | 75.1%-25.1pp | 67.9%-17.9pp |
| Annual return | -20.05% | -11.40%-8.7pp | 27.49%-47.5pp | -7.85%-12.2pp |
| Employer contribution / active EE | $791 | $2,746-71.2% | $3,636-78.2% | $2,597-69.5% |
| Participant deferral / active EE | $2,331 | $3,566-34.6% | $4,729-50.7% | $4,028-42.1% |
| Admin fee / account holder | $2,533 | $5,222-51.5% | $6,410-60.5% | $5,403-53.1% |