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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 | $191,001 | $102,595+86.2% | $94,057+103.1% | $154,746+23.4% |
| Participation rate | 50.0% | 76.0%-26.0pp | 73.3%-23.3pp | 80.7%-30.7pp |
| Annual return | 8.48% | 583.42%-574.9pp | 480.62%-472.1pp | 172.34%-163.9pp |
| Employer contribution / active EE | $1,400 | $3,147-55.5% | $2,933-52.3% | $4,379-68.0% |
| Participant deferral / active EE | $1,400 | $5,118-72.6% | $4,709-70.3% | $6,730-79.2% |
| Admin fee / account holder | $4,335 | $7,736-44.0% | $7,244-40.2% | $14,365-69.8% |