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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 | $27,754 | $82,324-66.3% | $68,803-59.7% | $134,545-79.4% |
| Participation rate | 57.1% | 75.1%-17.9pp | 69.0%-11.9pp | 81.2%-24.1pp |
| Annual return | -22.05% | -2.17%-19.9pp | -6.37%-15.7pp | 418.37%-440.4pp |
| Employer contribution / active EE | $2,463 | $3,302-25.4% | $2,656-7.3% | $4,742-48.1% |
| Participant deferral / active EE | $6,821 | $4,740+43.9% | $3,942+73.0% | $6,401+6.6% |
| Admin fee / account holder | $394 | $6,485-93.9% | $4,936-92.0% | $11,431-96.6% |