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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 | $96,999 | $48,264+101.0% | $68,790+41.0% | $68,498+41.6% |
| Participation rate | 46.2% | 60.7%-14.5pp | 69.0%-22.9pp | 67.9%-21.7pp |
| Annual return | -25.11% | -12.70%-12.4pp | -6.38%-18.7pp | -7.84%-17.3pp |
| Employer contribution / active EE | $2,603 | $1,829+42.3% | $2,655-2.0% | $2,596+0.2% |
| Participant deferral / active EE | $2,514 | $2,867-12.3% | $3,941-36.2% | $4,027-37.6% |
| Admin fee / account holder | $3,286 | $4,360-24.6% | $4,934-33.4% | $5,403-39.2% |