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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 | $54,775 | $166,268-67.1% | $165,100-66.8% | $145,897-62.5% |
| Participation rate | 58.8% | 82.0%-23.2pp | 78.6%-19.8pp | 80.3%-21.5pp |
| Annual return | -37.01% | 100.52%-137.5pp | 70.21%-107.2pp | 552.29%-589.3pp |
| Employer contribution / active EE | $3,091 | $5,284-41.5% | $4,348-28.9% | $4,663-33.7% |
| Participant deferral / active EE | $8,489 | $6,964+21.9% | $6,035+40.6% | $6,689+26.9% |
| Admin fee / account holder | $7,246 | $16,659-56.5% | $12,696-42.9% | $13,390-45.9% |