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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 | $15,271 | $84,628-82.0% | $61,501-75.2% | $134,545-88.6% |
| Participation rate | 27.3% | 62.2%-34.9pp | 52.6%-25.3pp | 81.2%-54.0pp |
| Annual return | -25.67% | 585.61%-611.3pp | 339.04%-364.7pp | 418.37%-444.0pp |
| Employer contribution / active EE | $852 | $1,545-44.9% | $1,160-26.6% | $4,742-82.0% |
| Participant deferral / active EE | $2,848 | $2,819+1.0% | $2,125+34.0% | $6,401-55.5% |
| Admin fee / account holder | $3,625 | $2,587+40.1% | $2,132+70.1% | $11,431-68.3% |