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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 | $43,106 | $63,314-31.9% | $91,004-52.6% | $62,293-30.8% |
| Participation rate | 49.1% | 73.3%-24.3pp | 75.6%-26.5pp | 69.5%-20.4pp |
| Annual return | 11.94% | 21.00%-9.1pp | 4.60%+7.3pp | 28.90%-17.0pp |
| Employer contribution / active EE | $619 | $1,807-65.7% | $2,456-74.8% | $2,042-69.7% |
| Participant deferral / active EE | $1,536 | $2,944-47.8% | $3,548-56.7% | $3,169-51.5% |
| Admin fee / account holder | $4,860 | $468+939.5% | $5,417-10.3% | $479+914.0% |