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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 | $79,657 | $72,404+10.0% | $110,243-27.7% | $64,173+24.1% |
| Participation rate | 63.9% | 73.3%-9.4pp | 79.8%-15.9pp | 69.6%-5.7pp |
| Annual return | -8.73% | -6.29%-2.4pp | 314.76%-323.5pp | 7.63%-16.4pp |
| Employer contribution / active EE | $2,196 | $2,282-3.7% | $3,827-42.6% | $2,381-7.7% |
| Participant deferral / active EE | $4,801 | $3,469+38.4% | $4,672+2.8% | $3,470+38.4% |
| Admin fee / account holder | $1,183 | $5,664-79.1% | $8,548-86.2% | $4,887-75.8% |