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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 | $33,082 | $175,259-81.1% | $149,723-77.9% | $139,487-76.3% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 6.74% | 166.82%-160.1pp | 134.50%-127.8pp | 373.84%-367.1pp |
| Employer contribution / active EE | $2,427 | $5,478-55.7% | $4,821-49.7% | $4,755-48.9% |
| Participant deferral / active EE | $17,256 | $6,522+164.6% | $5,682+203.7% | $6,713+157.1% |
| Admin fee / account holder | $46,826 | $16,158+189.8% | $13,215+254.3% | $11,407+310.5% |