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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 | $25,852 | $42,383-39.0% | $76,518-66.2% | $64,173-59.7% |
| Participation rate | 63.6% | 58.1%+5.5pp | 68.0%-4.4pp | 69.6%-5.9pp |
| Annual return | -16.72% | -16.54%-0.2pp | -0.27%-16.4pp | 7.63%-24.3pp |
| Employer contribution / active EE | $856 | $1,563-45.3% | $2,647-67.7% | $2,381-64.1% |
| Participant deferral / active EE | $2,223 | $2,566-13.4% | $3,836-42.0% | $3,470-35.9% |
| Admin fee / account holder | $3,316 | $3,198+3.7% | $4,849-31.6% | $4,887-32.2% |