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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 | $69,826 | $180,459-61.3% | $154,108-54.7% | $135,380-48.4% |
| Participation rate | 61.5% | 87.4%-25.9pp | 83.0%-21.5pp | 82.6%-21.1pp |
| Annual return | -10.66% | 888.21%-898.9pp | 735.21%-745.9pp | 519.81%-530.5pp |
| Employer contribution / active EE | $2,287 | $6,035-62.1% | $5,298-56.8% | $4,779-52.1% |
| Participant deferral / active EE | $4,023 | $5,806-30.7% | $5,081-20.8% | $5,609-28.3% |
| Admin fee / account holder | $12,321 | $16,145-23.7% | $13,411-8.1% | $10,828+13.8% |