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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 | $18,762 | $29,733-36.9% | $56,025-66.5% | $80,959-76.8% |
| Participation rate | 33.3% | 41.7%-8.4pp | 52.5%-19.2pp | 67.7%-34.3pp |
| Annual return | 5.94% | 35.28%-29.3pp | 1712.69%-1706.7pp | 35.67%-29.7pp |
| Employer contribution / active EE | $711 | $672+5.9% | $1,042-31.7% | $2,757-74.2% |
| Participant deferral / active EE | $1,972 | $1,229+60.4% | $1,955+0.9% | $4,300-54.2% |
| Admin fee / account holder | $9,924 | $2,434+307.8% | $2,828+250.9% | $6,925+43.3% |