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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 | $31,625 | $107,809-70.7% | $90,657-65.1% | $135,380-76.6% |
| Participation rate | 66.7% | 78.0%-11.4pp | 74.0%-7.4pp | 82.6%-16.0pp |
| Annual return | -13.81% | -0.90%-12.9pp | 1.89%-15.7pp | 519.81%-533.6pp |
| Employer contribution / active EE | $643 | $3,018-78.7% | $2,532-74.6% | $4,779-86.5% |
| Participant deferral / active EE | $2,733 | $3,872-29.4% | $3,424-20.2% | $5,609-51.3% |
| Admin fee / account holder | $539 | $5,931-90.9% | $4,994-89.2% | $10,828-95.0% |