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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 | $24,873 | $68,880-63.9% | $120,580-79.4% | $80,959-69.3% |
| Participation rate | 67.7% | 61.7%+6.0pp | 72.0%-4.2pp | 67.7%+0.1pp |
| Annual return | 8.98% | 23.68%-14.7pp | 107.48%-98.5pp | 35.67%-26.7pp |
| Employer contribution / active EE | $1,102 | $2,066-46.7% | $3,469-68.2% | $2,757-60.0% |
| Participant deferral / active EE | $1,192 | $3,191-62.6% | $4,995-76.1% | $4,300-72.3% |
| Admin fee / account holder | $1,514 | $5,785-73.8% | $9,418-83.9% | $6,925-78.1% |