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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 | $110,464 | $138,102-20.0% | $125,381-11.9% | $134,532-17.9% |
| Participation rate | 25.0% | 84.5%-59.5pp | 82.4%-57.4pp | 81.2%-56.2pp |
| Annual return | -20.99% | 750.73%-771.7pp | 572.31%-593.3pp | 418.27%-439.3pp |
| Employer contribution / active EE | $3,107 | $5,245-40.8% | $4,815-35.5% | $4,741-34.5% |
| Participant deferral / active EE | $8,976 | $7,801+15.1% | $7,448+20.5% | $6,401+40.2% |
| Admin fee / account holder | $559 | $11,568-95.2% | $10,007-94.4% | $11,429-95.1% |