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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 | $54,136 | $197,819-72.6% | $155,789-65.3% | $125,389-56.8% |
| Participation rate | 57.1% | 82.1%-24.9pp | 76.1%-19.0pp | 83.2%-26.0pp |
| Annual return | -6.62% | 86.73%-93.4pp | 71.54%-78.2pp | 282.24%-288.9pp |
| Employer contribution / active EE | $12,276 | $4,850+153.1% | $3,839+219.8% | $4,866+152.3% |
| Participant deferral / active EE | $1,204 | $5,631-78.6% | $4,798-74.9% | $5,352-77.5% |
| Admin fee / account holder | $695 | $9,544-92.7% | $7,477-90.7% | $9,541-92.7% |