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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 | $26,862 | $133,998-80.0% | $112,263-76.1% | $134,545-80.0% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -21.53% | 47.17%-68.7pp | 27.49%-49.0pp | 418.37%-439.9pp |
| Employer contribution / active EE | $1,563 | $4,040-61.3% | $3,636-57.0% | $4,742-67.0% |
| Participant deferral / active EE | $2,650 | $5,292-49.9% | $4,729-44.0% | $6,401-58.6% |
| Admin fee / account holder | $426 | $7,493-94.3% | $6,410-93.4% | $11,431-96.3% |