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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 | $38,441 | $106,247-63.8% | $96,515-60.2% | $139,466-72.4% |
| Participation rate | 65.2% | 77.8%-12.6pp | 74.3%-9.1pp | 80.3%-15.1pp |
| Annual return | -11.53% | 38.47%-50.0pp | 35.73%-47.3pp | 373.66%-385.2pp |
| Employer contribution / active EE | $0 | $4,106-100.0% | $3,740-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,905 | $5,456-46.7% | $4,880-40.5% | $6,712-56.7% |
| Admin fee / account holder | $1,604 | $7,885-79.7% | $6,735-76.2% | $11,409-85.9% |