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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 | $77,831 | $87,546-11.1% | $75,784+2.7% | $125,389-37.9% |
| Participation rate | 50.0% | 80.2%-30.2pp | 75.8%-25.8pp | 83.2%-33.2pp |
| Annual return | -9.82% | 13.49%-23.3pp | 9.68%-19.5pp | 282.24%-292.1pp |
| Employer contribution / active EE | $4,870 | $3,930+23.9% | $3,323+46.5% | $4,866+0.1% |
| Participant deferral / active EE | $7,938 | $4,230+87.7% | $3,652+117.4% | $5,352+48.3% |
| Admin fee / account holder | $373 | $6,503-94.3% | $5,300-93.0% | $9,541-96.1% |