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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 | $39,616 | $64,719-38.8% | $112,249-64.7% | $68,486-42.2% |
| Participation rate | 54.8% | 67.2%-12.3pp | 75.1%-20.2pp | 67.9%-13.1pp |
| Annual return | -20.14% | -11.40%-8.7pp | 27.48%-47.6pp | -7.85%-12.3pp |
| Employer contribution / active EE | $1,803 | $2,747-34.4% | $3,636-50.4% | $2,597-30.6% |
| Participant deferral / active EE | $3,707 | $3,565+4.0% | $4,729-21.6% | $4,028-8.0% |
| Admin fee / account holder | $5,340 | $5,232+2.1% | $6,412-16.7% | $5,404-1.2% |