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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 | $35,521 | $71,197-50.1% | $93,669-62.1% | $80,925-56.1% |
| Participation rate | 36.7% | 60.4%-23.7pp | 68.7%-32.1pp | 67.7%-31.0pp |
| Annual return | 9.11% | 11.27%-2.2pp | 133.59%-124.5pp | 35.65%-26.5pp |
| Employer contribution / active EE | $617 | $1,565-60.6% | $2,424-74.5% | $2,756-77.6% |
| Participant deferral / active EE | $2,529 | $4,036-37.3% | $4,416-42.7% | $4,299-41.2% |
| Admin fee / account holder | $21,681 | $6,959+211.6% | $8,291+161.5% | $6,940+212.4% |