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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 | $18,959 | $49,177-61.4% | $79,467-76.1% | $64,173-70.5% |
| Participation rate | 25.4% | 65.0%-39.6pp | 73.3%-47.9pp | 69.6%-44.1pp |
| Annual return | -10.67% | -1.16%-9.5pp | 718.30%-729.0pp | 7.63%-18.3pp |
| Employer contribution / active EE | $441 | $2,076-78.8% | $2,800-84.2% | $2,381-81.5% |
| Participant deferral / active EE | $975 | $2,821-65.4% | $3,704-73.7% | $3,470-71.9% |
| Admin fee / account holder | $1,289 | $3,839-66.4% | $5,104-74.8% | $4,887-73.6% |