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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 | $41,718 | $209,422-80.1% | $178,503-76.6% | $158,982-73.8% |
| Participation rate | 69.2% | 86.4%-17.1pp | 81.9%-12.7pp | 82.0%-12.7pp |
| Annual return | -10.37% | 188.81%-199.2pp | 151.12%-161.5pp | 302.99%-313.4pp |
| Employer contribution / active EE | $5,302 | $5,707-7.1% | $5,011+5.8% | $4,763+11.3% |
| Participant deferral / active EE | $7,529 | $5,955+26.4% | $5,202+44.7% | $5,983+25.8% |
| Admin fee / account holder | $2,349 | $17,079-86.2% | $13,987-83.2% | $11,252-79.1% |