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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 | $69,121 | $190,879-63.8% | $160,009-56.8% | $134,532-48.6% |
| Participation rate | 40.0% | 82.0%-42.0pp | 78.0%-38.0pp | 81.2%-41.2pp |
| Annual return | -23.01% | 552.63%-575.6pp | 408.85%-431.9pp | 418.27%-441.3pp |
| Employer contribution / active EE | $12,090 | $4,995+142.0% | $4,225+186.1% | $4,741+155.0% |
| Participant deferral / active EE | $9,089 | $6,924+31.3% | $6,183+47.0% | $6,401+42.0% |
| Admin fee / account holder | $2,216 | $10,495-78.9% | $8,715-74.6% | $11,429-80.6% |