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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 | $38,097 | $54,380-29.9% | $68,509-44.4% | $59,633-36.1% |
| Participation rate | 56.8% | 70.2%-13.4pp | 74.7%-17.9pp | 68.7%-11.9pp |
| Annual return | -3.60% | 2.83%-6.4pp | 8.27%-11.9pp | 2041.45%-2045.1pp |
| Employer contribution / active EE | $276 | $1,539-82.0% | $2,278-87.9% | $2,203-87.5% |
| Participant deferral / active EE | $1,600 | $2,643-39.5% | $3,382-52.7% | $3,192-49.9% |
| Admin fee / account holder | $3,235 | $3,885-16.8% | $5,275-38.7% | $4,297-24.7% |