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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 | $34,059 | $71,230-52.2% | $93,727-63.7% | $80,959-57.9% |
| Participation rate | 57.6% | 60.4%-2.8pp | 68.7%-11.1pp | 67.7%-10.0pp |
| Annual return | 7.41% | 11.26%-3.8pp | 133.83%-126.4pp | 35.67%-28.3pp |
| Employer contribution / active EE | $383 | $1,565-75.5% | $2,421-84.2% | $2,757-86.1% |
| Participant deferral / active EE | $1,781 | $4,037-55.9% | $4,417-59.7% | $4,300-58.6% |
| Admin fee / account holder | $21,135 | $6,961+203.6% | $8,292+154.9% | $6,925+205.2% |