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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 | $56,055 | $29,319+91.2% | $52,425+6.9% | $82,448-32.0% |
| Participation rate | 39.4% | 46.9%-7.5pp | 55.6%-16.2pp | 68.1%-28.7pp |
| Annual return | 11.16% | 535.20%-524.0pp | 302.12%-291.0pp | 41.64%-30.5pp |
| Employer contribution / active EE | $264 | $586-54.9% | $914-71.1% | $2,551-89.6% |
| Participant deferral / active EE | $1,360 | $1,171+16.1% | $1,790-24.0% | $4,139-67.1% |
| Admin fee / account holder | $17,597 | $1,962+796.8% | $2,495+605.3% | $7,234+143.2% |