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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 | $27,029 | $77,816-65.3% | $123,549-78.1% | $64,181-57.9% |
| Participation rate | 24.3% | 74.7%-50.4pp | 82.3%-58.0pp | 69.6%-45.2pp |
| Annual return | -10.40% | 12.49%-22.9pp | 119.20%-129.6pp | 7.63%-18.0pp |
| Employer contribution / active EE | $1,009 | $3,014-66.5% | $4,628-78.2% | $2,381-57.6% |
| Participant deferral / active EE | $2,709 | $5,240-48.3% | $6,426-57.8% | $3,470-21.9% |
| Admin fee / account holder | $5,908 | $5,519+7.0% | $9,284-36.4% | $4,887+20.9% |