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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 | $174,379-59.9% | $152,093-54.0% | $138,895-49.6% |
| Participation rate | 62.5% | 81.6%-19.1pp | 77.8%-15.3pp | 79.9%-17.4pp |
| Annual return | -55.90% | 74.86%-130.8pp | 66.36%-122.3pp | 145.39%-201.3pp |
| Employer contribution / active EE | $4,098 | $4,652-11.9% | $4,175-1.8% | $4,194-2.3% |
| Participant deferral / active EE | $6,059 | $6,159-1.6% | $5,451+11.1% | $6,396-5.3% |
| Admin fee / account holder | $13,209 | $16,880-21.7% | $14,497-8.9% | $12,562+5.1% |