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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 | $232,313 | $82,288+182.3% | $68,794+237.7% | $134,509+72.7% |
| Participation rate | 25.0% | 75.1%-50.1pp | 69.0%-44.0pp | 81.2%-56.2pp |
| Annual return | -24.62% | -2.19%-22.4pp | -6.37%-18.2pp | 418.13%-442.8pp |
| Employer contribution / active EE | $1,299 | $3,301-60.7% | $2,656-51.1% | $4,741-72.6% |
| Participant deferral / active EE | $2,805 | $4,738-40.8% | $3,941-28.8% | $6,400-56.2% |
| Admin fee / account holder | $19,095 | $6,482+194.6% | $4,934+287.0% | $11,427+67.1% |