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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 | $102,566 | $97,765+4.9% | $103,486-0.9% | $145,884-29.7% |
| Participation rate | 50.0% | 81.1%-31.1pp | 80.5%-30.5pp | 80.3%-30.3pp |
| Annual return | 7.77% | 25.44%-17.7pp | 23.93%-16.2pp | 551.85%-544.1pp |
| Employer contribution / active EE | $1,466 | $4,687-68.7% | $4,679-68.7% | $4,662-68.6% |
| Participant deferral / active EE | $2,920 | $6,606-55.8% | $6,628-55.9% | $6,690-56.3% |
| Admin fee / account holder | $44,995 | $12,505+259.8% | $9,354+381.0% | $13,392+236.0% |