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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 | $7,383 | $45,872-83.9% | $77,096-90.4% | $68,486-89.2% |
| Participation rate | 44.7% | 55.9%-11.2pp | 67.9%-23.2pp | 67.9%-23.2pp |
| Annual return | -22.34% | 1.73%-24.1pp | 42.35%-64.7pp | -7.85%-14.5pp |
| Employer contribution / active EE | $598 | $1,650-63.7% | $2,814-78.7% | $2,597-77.0% |
| Participant deferral / active EE | $1,402 | $2,963-52.7% | $4,429-68.3% | $4,028-65.2% |
| Admin fee / account holder | $1,425 | $3,041-53.2% | $5,428-73.8% | $5,404-73.6% |