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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 | $45,256 | $165,399-72.6% | $149,745-69.8% | $158,982-71.5% |
| Participation rate | 60.0% | 84.6%-24.6pp | 82.5%-22.5pp | 82.0%-22.0pp |
| Annual return | -1.64% | 348.34%-350.0pp | 276.72%-278.4pp | 302.99%-304.6pp |
| Employer contribution / active EE | $0 | $5,105-100.0% | $4,646-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $3,812 | $7,183-46.9% | $6,843-44.3% | $5,983-36.3% |
| Admin fee / account holder | $26,381 | $10,811+144.0% | $9,312+183.3% | $11,252+134.5% |