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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 | $69,892 | $150,447-53.5% | $136,298-48.7% | $147,586-52.6% |
| Participation rate | 60.0% | 84.4%-24.4pp | 81.9%-21.9pp | 82.8%-22.8pp |
| Annual return | 7.40% | 1049.15%-1041.8pp | 5156.27%-5148.9pp | 578.59%-571.2pp |
| Employer contribution / active EE | $0 | $5,256-100.0% | $4,696-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $5,699 | $6,631-14.1% | $6,247-8.8% | $5,439+4.8% |
| Admin fee / account holder | $33,905 | $10,906+210.9% | $9,244+266.8% | $10,886+211.5% |