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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 | $69,980 | $172,111-59.3% | $150,298-53.4% | $137,256-49.0% |
| Participation rate | 62.5% | 81.7%-19.2pp | 77.8%-15.3pp | 80.0%-17.5pp |
| Annual return | -55.90% | 69.37%-125.3pp | 62.79%-118.7pp | 220.34%-276.2pp |
| Employer contribution / active EE | $4,098 | $4,636-11.6% | $4,154-1.3% | $4,156-1.4% |
| Participant deferral / active EE | $6,059 | $6,166-1.7% | $5,453+11.1% | $6,407-5.4% |
| Admin fee / account holder | $13,209 | $16,471-19.8% | $14,116-6.4% | $12,270+7.7% |