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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 | $79,683 | $105,623-24.6% | $87,502-8.9% | $273,972-70.9% |
| Participation rate | 65.0% | 78.2%-13.2pp | 73.8%-8.8pp | 83.0%-18.0pp |
| Annual return | -5.23% | 12.26%-17.5pp | 12.21%-17.4pp | 41.46%-46.7pp |
| Employer contribution / active EE | $1,699 | $3,141-45.9% | $2,550-33.3% | $4,869-65.1% |
| Participant deferral / active EE | $2,661 | $3,601-26.1% | $3,149-15.5% | $5,287-49.7% |
| Admin fee / account holder | $441 | $4,781-90.8% | $4,221-89.6% | $10,133-95.7% |