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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 | $29,434 | $85,171-65.4% | $172,753-83.0% | $72,976-59.7% |
| Participation rate | 42.9% | 70.1%-27.2pp | 82.6%-39.8pp | 69.5%-26.6pp |
| Annual return | 14.82% | 27.32%-12.5pp | 803.00%-788.2pp | 81.02%-66.2pp |
| Employer contribution / active EE | $980 | $3,324-70.5% | $5,144-81.0% | $2,440-59.8% |
| Participant deferral / active EE | $1,004 | $3,260-69.2% | $5,198-80.7% | $3,608-72.2% |
| Admin fee / account holder | $811 | $5,880-86.2% | $13,956-94.2% | $5,124-84.2% |