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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 | $143,380 | $81,208+76.6% | $98,920+44.9% | $79,856+79.5% |
| Participation rate | 51.5% | 72.5%-21.0pp | 76.0%-24.5pp | 69.6%-18.1pp |
| Annual return | 8.90% | 60.99%-52.1pp | 196.47%-187.6pp | 31.71%-22.8pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $2,689-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,541 | $3,265-52.8% | $4,245-63.7% | $3,741-58.8% |
| Admin fee / account holder | $38,204 | $6,013+535.4% | $6,643+475.1% | $5,306+620.0% |