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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 | $33,057 | $135,645-75.6% | $110,243-70.0% | $135,380-75.6% |
| Participation rate | 62.5% | 83.5%-21.0pp | 79.8%-17.3pp | 82.6%-20.1pp |
| Annual return | -9.19% | 513.24%-522.4pp | 314.76%-323.9pp | 519.81%-529.0pp |
| Employer contribution / active EE | $2,024 | $4,907-58.8% | $3,827-47.1% | $4,779-57.7% |
| Participant deferral / active EE | $6,315 | $5,507+14.7% | $4,672+35.2% | $5,609+12.6% |
| Admin fee / account holder | $353 | $11,458-96.9% | $8,548-95.9% | $10,828-96.7% |