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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 | $59,298 | $167,362-64.6% | $143,799-58.8% | $134,532-55.9% |
| Participation rate | 62.5% | 84.8%-22.3pp | 80.3%-17.8pp | 81.2%-18.7pp |
| Annual return | -20.56% | 0.47%-21.0pp | -0.04%-20.5pp | 418.27%-438.8pp |
| Employer contribution / active EE | $1,237 | $5,620-78.0% | $4,952-75.0% | $4,741-73.9% |
| Participant deferral / active EE | $3,947 | $6,447-38.8% | $5,638-30.0% | $6,401-38.3% |
| Admin fee / account holder | $3,946 | $18,094-78.2% | $14,677-73.1% | $11,429-65.5% |