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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 | $199,438 | $115,814+72.2% | $101,275+96.9% | $158,982+25.4% |
| Participation rate | 31.3% | 79.4%-48.1pp | 75.8%-44.6pp | 82.0%-50.7pp |
| Annual return | 7.45% | 56.16%-48.7pp | 46.48%-39.0pp | 302.99%-295.5pp |
| Employer contribution / active EE | $1,178 | $4,176-71.8% | $3,660-67.8% | $4,763-75.3% |
| Participant deferral / active EE | $3,548 | $4,958-28.4% | $4,371-18.8% | $5,983-40.7% |
| Admin fee / account holder | $43,760 | $7,249+503.7% | $5,948+635.7% | $11,252+288.9% |