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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 | $29,716-36.9% | $56,077-66.5% | $80,925-76.8% |
| Participation rate | 33.3% | 41.7%-8.4pp | 52.5%-19.2pp | 67.7%-34.3pp |
| Annual return | 5.94% | 35.30%-29.4pp | 1709.28%-1703.3pp | 35.65%-29.7pp |
| Employer contribution / active EE | $711 | $671+6.0% | $1,040-31.6% | $2,756-74.2% |
| Participant deferral / active EE | $1,972 | $1,228+60.5% | $1,954+0.9% | $4,299-54.1% |
| Admin fee / account holder | $9,924 | $2,432+308.1% | $2,825+251.3% | $6,940+43.0% |