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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 | $20,814 | $111,785-81.4% | $93,669-77.8% | $145,877-85.7% |
| Participation rate | 58.8% | 74.2%-15.4pp | 68.7%-9.9pp | 80.3%-21.5pp |
| Annual return | -5.21% | 203.79%-209.0pp | 133.59%-138.8pp | 551.28%-556.5pp |
| Employer contribution / active EE | $3,821 | $3,096+23.4% | $2,424+57.6% | $4,663-18.1% |
| Participant deferral / active EE | $11,022 | $4,919+124.1% | $4,416+149.6% | $6,691+64.7% |
| Admin fee / account holder | $3,914 | $10,256-61.8% | $8,291-52.8% | $13,402-70.8% |