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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 | $64,047 | $54,355+17.8% | $82,744-22.6% | $68,486-6.5% |
| Participation rate | 54.5% | 63.9%-9.4pp | 72.6%-18.0pp | 67.9%-13.3pp |
| Annual return | -21.95% | -13.67%-8.3pp | 702.22%-724.2pp | -7.85%-14.1pp |
| Employer contribution / active EE | $807 | $2,219-63.6% | $3,008-73.2% | $2,597-68.9% |
| Participant deferral / active EE | $2,173 | $3,246-33.1% | $4,395-50.5% | $4,028-46.0% |
| Admin fee / account holder | $2,440 | $4,397-44.5% | $5,325-54.2% | $5,404-54.8% |