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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 | $193,770 | $80,812+139.8% | $160,784+20.5% | $82,448+135.0% |
| Participation rate | 67.4% | 66.2%+1.2pp | 77.0%-9.5pp | 68.1%-0.6pp |
| Annual return | 9.82% | 100.59%-90.8pp | 1803.92%-1794.1pp | 41.64%-31.8pp |
| Employer contribution / active EE | $2,625 | $2,174+20.7% | $3,733-29.7% | $2,551+2.9% |
| Participant deferral / active EE | $6,029 | $4,335+39.1% | $6,293-4.2% | $4,139+45.6% |
| Admin fee / account holder | $8,675 | $7,695+12.7% | $9,717-10.7% | $7,234+19.9% |