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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 | $102,470 | $168,635-39.2% | $147,617-30.6% | $125,389-18.3% |
| Participation rate | 52.4% | 88.8%-36.4pp | 84.6%-32.2pp | 83.2%-30.8pp |
| Annual return | -3.75% | 77.65%-81.4pp | 61.98%-65.7pp | 282.24%-286.0pp |
| Employer contribution / active EE | $1,605 | $6,252-74.3% | $5,564-71.2% | $4,866-67.0% |
| Participant deferral / active EE | $4,109 | $5,507-25.4% | $4,895-16.1% | $5,352-23.2% |
| Admin fee / account holder | $1,332 | $13,580-90.2% | $11,612-88.5% | $9,541-86.0% |