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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 | $20,103 | $90,486-77.8% | $78,676-74.4% | $273,972-92.7% |
| Participation rate | 60.0% | 76.5%-16.5pp | 73.6%-13.6pp | 83.0%-23.0pp |
| Annual return | -3.35% | 75.62%-79.0pp | 62.19%-65.5pp | 41.46%-44.8pp |
| Employer contribution / active EE | $11,116 | $3,175+250.1% | $2,850+290.0% | $4,869+128.3% |
| Participant deferral / active EE | $0 | $3,901-100.0% | $3,517-100.0% | $5,287-100.0% |
| Admin fee / account holder | $98,386 | $5,263+1769.3% | $4,510+2081.5% | $10,133+871.0% |