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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 | $60,807 | $82,678-26.5% | $125,391-51.5% | $68,490-11.2% |
| Participation rate | 65.8% | 75.1%-9.3pp | 82.4%-16.6pp | 67.9%-2.1pp |
| Annual return | -23.06% | -5.97%-17.1pp | 572.41%-595.5pp | -7.85%-15.2pp |
| Employer contribution / active EE | $2,603 | $3,382-23.0% | $4,816-45.9% | $2,597+0.2% |
| Participant deferral / active EE | $4,124 | $6,111-32.5% | $7,448-44.6% | $4,028+2.4% |
| Admin fee / account holder | $1,836 | $6,277-70.8% | $10,009-81.7% | $5,403-66.0% |