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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 | $29,629 | $45,438-34.8% | $80,004-63.0% | $59,633-50.3% |
| Participation rate | 57.7% | 63.7%-6.0pp | 73.0%-15.3pp | 68.7%-11.0pp |
| Annual return | -2.92% | 5.10%-8.0pp | 7.63%-10.6pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $236 | $1,236-80.9% | $2,473-90.4% | $2,203-89.3% |
| Participant deferral / active EE | $1,541 | $2,231-30.9% | $3,204-51.9% | $3,192-51.7% |
| Admin fee / account holder | $1,577 | $3,464-54.5% | $5,033-68.7% | $4,297-63.3% |