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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 | $114,164 | $102,385+11.5% | $147,080-22.4% | $80,935+41.1% |
| Participation rate | 68.5% | 75.9%-7.3pp | 82.2%-13.6pp | 67.7%+0.9pp |
| Annual return | 10.20% | 135.09%-124.9pp | 420.17%-410.0pp | 35.66%-25.5pp |
| Employer contribution / active EE | $2,824 | $3,717-24.0% | $4,933-42.8% | $2,757+2.5% |
| Participant deferral / active EE | $9,034 | $6,651+35.8% | $8,066+12.0% | $4,299+110.1% |
| Admin fee / account holder | $33,054 | $7,951+315.7% | $12,989+154.5% | $6,924+377.4% |