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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 | $23,976 | $99,652-75.9% | $78,778-69.6% | $147,586-83.8% |
| Participation rate | 16.7% | 76.2%-59.6pp | 69.2%-52.5pp | 82.8%-66.2pp |
| Annual return | -31.13% | 47.28%-78.4pp | 35.62%-66.7pp | 578.59%-609.7pp |
| Employer contribution / active EE | $541 | $2,796-80.7% | $1,986-72.8% | $4,876-88.9% |
| Participant deferral / active EE | $2,069 | $3,664-43.5% | $2,958-30.0% | $5,439-61.9% |
| Admin fee / account holder | $9,791 | $7,155+36.8% | $5,134+90.7% | $10,886-10.1% |