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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 | $79,309 | $134,001-40.8% | $112,258-29.4% | $134,509-41.0% |
| Participation rate | 44.4% | 78.6%-34.1pp | 75.1%-30.6pp | 81.2%-36.8pp |
| Annual return | -29.16% | 47.15%-76.3pp | 27.47%-56.6pp | 418.13%-447.3pp |
| Employer contribution / active EE | $2,147 | $4,039-46.8% | $3,636-40.9% | $4,741-54.7% |
| Participant deferral / active EE | $4,906 | $5,291-7.3% | $4,728+3.8% | $6,400-23.3% |
| Admin fee / account holder | $471 | $7,491-93.7% | $6,411-92.7% | $11,427-95.9% |