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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 | $85,888 | $153,311-44.0% | $109,313-21.4% | $273,972-68.7% |
| Participation rate | 9.5% | 80.1%-70.6pp | 71.3%-61.7pp | 83.0%-73.5pp |
| Annual return | 0.88% | 29.86%-29.0pp | 22.07%-21.2pp | 41.46%-40.6pp |
| Employer contribution / active EE | $983 | $5,619-82.5% | $3,892-74.7% | $4,869-79.8% |
| Participant deferral / active EE | $2,286 | $3,932-41.9% | $3,166-27.8% | $5,287-56.8% |
| Admin fee / account holder | $554 | $8,076-93.1% | $5,666-90.2% | $10,133-94.5% |