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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 | $27,981 | $211,946-86.8% | $169,452-83.5% | $135,380-79.3% |
| Participation rate | 42.9% | 82.6%-39.8pp | 77.8%-34.9pp | 82.6%-39.8pp |
| Annual return | -12.22% | 3.26%-15.5pp | 1.83%-14.0pp | 519.81%-532.0pp |
| Employer contribution / active EE | $0 | $5,117-100.0% | $4,157-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $3,764 | $6,075-38.0% | $5,277-28.7% | $5,609-32.9% |
| Admin fee / account holder | $5,665 | $11,472-50.6% | $9,110-37.8% | $10,828-47.7% |