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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 | $29,140 | $138,076-78.9% | $123,553-76.4% | $135,380-78.5% |
| Participation rate | 58.3% | 84.7%-26.4pp | 82.3%-24.0pp | 82.6%-24.3pp |
| Annual return | -10.05% | 153.70%-163.8pp | 119.21%-129.3pp | 519.81%-529.9pp |
| Employer contribution / active EE | $1,333 | $5,152-74.1% | $4,628-71.2% | $4,779-72.1% |
| Participant deferral / active EE | $4,582 | $6,800-32.6% | $6,426-28.7% | $5,609-18.3% |
| Admin fee / account holder | $2,212 | $10,917-79.7% | $9,284-76.2% | $10,828-79.6% |