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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 | $202,408 | $138,072+46.6% | $123,549+63.8% | $135,382+49.5% |
| Participation rate | 33.3% | 84.7%-51.4pp | 82.3%-49.0pp | 82.6%-49.3pp |
| Annual return | -10.02% | 153.69%-163.7pp | 119.20%-129.2pp | 519.77%-529.8pp |
| Employer contribution / active EE | $1,233 | $5,152-76.1% | $4,628-73.4% | $4,779-74.2% |
| Participant deferral / active EE | $6,167 | $6,799-9.3% | $6,426-4.0% | $5,609+9.9% |
| Admin fee / account holder | $2,664 | $10,917-75.6% | $9,284-71.3% | $10,829-75.4% |