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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 | $25,564 | $190,879-86.6% | $160,009-84.0% | $134,532-81.0% |
| Participation rate | 53.3% | 82.0%-28.6pp | 78.0%-24.6pp | 81.2%-27.9pp |
| Annual return | -21.84% | 552.63%-574.5pp | 408.85%-430.7pp | 418.27%-440.1pp |
| Employer contribution / active EE | $984 | $4,995-80.3% | $4,225-76.7% | $4,741-79.2% |
| Participant deferral / active EE | $2,864 | $6,924-58.6% | $6,183-53.7% | $6,401-55.3% |
| Admin fee / account holder | $360 | $10,495-96.6% | $8,715-95.9% | $11,429-96.9% |