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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 | $182,627 | $135,645+34.6% | $110,243+65.7% | $135,379+34.9% |
| Participation rate | 66.7% | 83.5%-16.8pp | 79.8%-13.2pp | 82.6%-16.0pp |
| Annual return | -9.23% | 513.24%-522.5pp | 314.76%-324.0pp | 519.79%-529.0pp |
| Employer contribution / active EE | $0 | $4,907-100.0% | $3,827-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $9,350 | $5,507+69.8% | $4,672+100.1% | $5,609+66.7% |
| Admin fee / account holder | $956 | $11,458-91.7% | $8,548-88.8% | $10,828-91.2% |