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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 | $143,149 | $160,059-10.6% | $140,019+2.2% | $135,380+5.7% |
| Participation rate | 68.8% | 88.5%-19.8pp | 87.5%-18.7pp | 82.6%-13.9pp |
| Annual return | -9.33% | 911.48%-920.8pp | 651.17%-660.5pp | 519.81%-529.1pp |
| Employer contribution / active EE | $0 | $6,420-100.0% | $5,605-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $7,059 | $7,641-7.6% | $6,927+1.9% | $5,609+25.8% |
| Admin fee / account holder | $1,711 | $13,328-87.2% | $10,705-84.0% | $10,828-84.2% |