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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 | $38,945 | $84,464-53.9% | $61,399-36.6% | $134,509-71.0% |
| Participation rate | 60.0% | 62.2%-2.2pp | 52.6%+7.4pp | 81.2%-21.2pp |
| Annual return | -22.83% | 585.06%-607.9pp | 338.81%-361.6pp | 418.13%-441.0pp |
| Employer contribution / active EE | $782 | $1,545-49.4% | $1,159-32.5% | $4,741-83.5% |
| Participant deferral / active EE | $4,049 | $2,818+43.7% | $2,124+90.6% | $6,400-36.7% |
| Admin fee / account holder | $441 | $2,587-82.9% | $2,131-79.3% | $11,427-96.1% |