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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 | $115,608 | $160,040-27.8% | $147,096-21.4% | $145,877-20.7% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 8.36% | 98.49%-90.1pp | 419.75%-411.4pp | 551.28%-542.9pp |
| Employer contribution / active EE | $1,874 | $5,289-64.6% | $4,936-62.0% | $4,663-59.8% |
| Participant deferral / active EE | $7,768 | $8,429-7.8% | $8,071-3.8% | $6,691+16.1% |
| Admin fee / account holder | $10,305 | $15,050-31.5% | $13,005-20.8% | $13,402-23.1% |