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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 | $11,529 | $27,639-58.3% | $61,501-81.3% | $68,490-83.2% |
| Participation rate | 33.3% | 39.5%-6.2pp | 52.6%-19.2pp | 67.9%-34.6pp |
| Annual return | -24.03% | -13.19%-10.8pp | 339.04%-363.1pp | -7.85%-16.2pp |
| Employer contribution / active EE | $678 | $696-2.6% | $1,160-41.5% | $2,597-73.9% |
| Participant deferral / active EE | $1,439 | $1,264+13.8% | $2,125-32.3% | $4,028-64.3% |
| Admin fee / account holder | $836 | $2,012-58.5% | $2,132-60.8% | $5,403-84.5% |