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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 | $57,516 | $111,814-48.6% | $103,374-44.4% | $145,959-60.6% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | -1.60% | 24.77%-26.4pp | 24.89%-26.5pp | 561.95%-563.5pp |
| Employer contribution / active EE | $17,633 | $4,214+318.5% | $3,869+355.7% | $4,661+278.3% |
| Participant deferral / active EE | $17,633 | $5,618+213.9% | $5,058+248.6% | $6,689+163.6% |
| Admin fee / account holder | $224,364 | $9,754+2200.1% | $8,394+2572.9% | $13,398+1574.6% |