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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 | $98,233 | $91,536+7.3% | $130,062-24.5% | $75,177+30.7% |
| Participation rate | 67.6% | 71.5%-3.9pp | 78.5%-10.9pp | 67.2%+0.4pp |
| Annual return | 12.43% | -631.62%+644.0pp | -137.37%+149.8pp | 160.75%-148.3pp |
| Employer contribution / active EE | $1,754 | $2,845-38.3% | $4,322-59.4% | $2,671-34.3% |
| Participant deferral / active EE | $3,621 | $4,343-16.6% | $5,821-37.8% | $4,126-12.3% |
| Admin fee / account holder | $5,358 | $6,780-21.0% | $10,601-49.5% | $5,651-5.2% |