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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 | $26,656 | $106,008-74.9% | $92,240-71.1% | $147,586-81.9% |
| Participation rate | 66.7% | 80.4%-13.7pp | 76.5%-9.8pp | 82.8%-16.2pp |
| Annual return | 9.65% | 50.05%-40.4pp | 176.29%-166.6pp | 578.59%-568.9pp |
| Employer contribution / active EE | $0 | $4,333-100.0% | $3,680-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $6,069 | $4,478+35.5% | $3,897+55.7% | $5,439+11.6% |
| Admin fee / account holder | $176,248 | $6,333+2683.0% | $5,194+3293.2% | $10,886+1519.1% |