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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 | $62,500 | $181,062-65.5% | $158,223-60.5% | $155,188-59.7% |
| Participation rate | 30.8% | 82.7%-51.9pp | 79.2%-48.4pp | 80.8%-50.0pp |
| Annual return | -19.09% | 57.39%-76.5pp | 52.09%-71.2pp | 148.84%-167.9pp |
| Employer contribution / active EE | $0 | $4,565-100.0% | $4,109-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $4,434 | $6,134-27.7% | $5,467-18.9% | $6,531-32.1% |
| Admin fee / account holder | $1,033 | $18,825-94.5% | $16,047-93.6% | $14,480-92.9% |