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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 | $62,623 | $92,766-32.5% | $82,763-24.3% | $134,545-53.5% |
| Participation rate | 66.7% | 75.2%-8.5pp | 72.6%-5.9pp | 81.2%-14.6pp |
| Annual return | -26.21% | 946.97%-973.2pp | 702.45%-728.7pp | 418.37%-444.6pp |
| Employer contribution / active EE | $742 | $3,273-77.3% | $3,008-75.3% | $4,742-84.4% |
| Participant deferral / active EE | $2,901 | $4,802-39.6% | $4,395-34.0% | $6,401-54.7% |
| Admin fee / account holder | $3,806 | $5,978-36.3% | $5,325-28.5% | $11,431-66.7% |