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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 | $165,012 | $56,134+194.0% | $96,192+71.5% | $85,851+92.2% |
| Participation rate | 41.7% | 56.7%-15.0pp | 68.4%-26.8pp | 69.3%-27.7pp |
| Annual return | 11.27% | 42.30%-31.0pp | 192.09%-180.8pp | 318.63%-307.4pp |
| Employer contribution / active EE | $853 | $1,620-47.3% | $2,799-69.5% | $2,565-66.7% |
| Participant deferral / active EE | $4,287 | $2,858+50.0% | $4,351-1.5% | $3,952+8.5% |
| Admin fee / account holder | $16,406 | $3,769+335.3% | $5,539+196.2% | $6,261+162.0% |