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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 | $72,336 | $141,004-48.7% | $112,273-35.6% | $139,466-48.1% |
| Participation rate | 60.0% | 79.2%-19.2pp | 72.4%-12.4pp | 80.3%-20.3pp |
| Annual return | -8.36% | 32.75%-41.1pp | 30.23%-38.6pp | 373.66%-382.0pp |
| Employer contribution / active EE | $2,340 | $4,285-45.4% | $3,431-31.8% | $4,754-50.8% |
| Participant deferral / active EE | $6,280 | $5,878+6.8% | $4,800+30.8% | $6,712-6.4% |
| Admin fee / account holder | $1,045 | $9,959-89.5% | $7,752-86.5% | $11,409-90.8% |