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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 | $47,545 | $82,674-42.5% | $125,381-62.1% | $68,486-30.6% |
| Participation rate | 50.0% | 75.1%-25.1pp | 82.4%-32.4pp | 67.9%-17.9pp |
| Annual return | -19.49% | -5.97%-13.5pp | 572.31%-591.8pp | -7.85%-11.6pp |
| Employer contribution / active EE | $2,509 | $3,382-25.8% | $4,815-47.9% | $2,597-3.4% |
| Participant deferral / active EE | $3,101 | $6,111-49.2% | $7,448-58.4% | $4,028-23.0% |
| Admin fee / account holder | $994 | $6,277-84.2% | $10,007-90.1% | $5,404-81.6% |