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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 | $147,261 | $138,076+6.7% | $123,553+19.2% | $135,380+8.8% |
| Participation rate | 62.5% | 84.7%-22.2pp | 82.3%-19.8pp | 82.6%-20.1pp |
| Annual return | -10.20% | 153.70%-163.9pp | 119.21%-129.4pp | 519.81%-530.0pp |
| Employer contribution / active EE | $1,820 | $5,152-64.7% | $4,628-60.7% | $4,779-61.9% |
| Participant deferral / active EE | $4,011 | $6,800-41.0% | $6,426-37.6% | $5,609-28.5% |
| Admin fee / account holder | $1,350 | $10,917-87.6% | $9,284-85.5% | $10,828-87.5% |