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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 | $52,453 | $64,729-19.0% | $112,263-53.3% | $68,490-23.4% |
| Participation rate | 40.0% | 67.2%-27.2pp | 75.1%-35.1pp | 67.9%-27.9pp |
| Annual return | -20.53% | -11.40%-9.1pp | 27.49%-48.0pp | -7.85%-12.7pp |
| Employer contribution / active EE | $1,346 | $2,746-51.0% | $3,636-63.0% | $2,597-48.2% |
| Participant deferral / active EE | $2,459 | $3,566-31.0% | $4,729-48.0% | $4,028-38.9% |
| Admin fee / account holder | $1,937 | $5,222-62.9% | $6,410-69.8% | $5,403-64.1% |