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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 | $20,992 | $65,712-68.1% | $57,196-63.3% | $273,972-92.3% |
| Participation rate | 0.0% | 78.3%-78.3pp | 75.3%-75.3pp | 83.0%-83.0pp |
| Annual return | -3.99% | 22.01%-26.0pp | 14.59%-18.6pp | 41.46%-45.4pp |
| Employer contribution / active EE | $480 | $3,280-85.4% | $2,683-82.1% | $4,869-90.1% |
| Participant deferral / active EE | $7,311 | $3,782+93.3% | $3,096+136.1% | $5,287+38.3% |
| Admin fee / account holder | $548 | $4,838-88.7% | $3,141-82.5% | $10,133-94.6% |