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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 | $50,158 | $82,678-39.3% | $125,391-60.0% | $68,490-26.8% |
| Participation rate | 48.7% | 75.1%-26.3pp | 82.4%-33.7pp | 67.9%-19.2pp |
| Annual return | -19.48% | -5.97%-13.5pp | 572.41%-591.9pp | -7.85%-11.6pp |
| Employer contribution / active EE | $1,118 | $3,382-66.9% | $4,816-76.8% | $2,597-56.9% |
| Participant deferral / active EE | $4,158 | $6,111-32.0% | $7,448-44.2% | $4,028+3.2% |
| Admin fee / account holder | $1,705 | $6,277-72.8% | $10,009-83.0% | $5,403-68.4% |