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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 | $33,047 | $168,635-80.4% | $147,617-77.6% | $125,389-73.6% |
| Participation rate | 57.1% | 88.8%-31.6pp | 84.6%-27.5pp | 83.2%-26.0pp |
| Annual return | -5.85% | 77.65%-83.5pp | 61.98%-67.8pp | 282.24%-288.1pp |
| Employer contribution / active EE | $1,708 | $6,252-72.7% | $5,564-69.3% | $4,866-64.9% |
| Participant deferral / active EE | $4,008 | $5,507-27.2% | $4,895-18.1% | $5,352-25.1% |
| Admin fee / account holder | $1,120 | $13,580-91.8% | $11,612-90.4% | $9,541-88.3% |