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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 | $142,355 | $201,344-29.3% | $184,243-22.7% | $145,877-2.4% |
| Participation rate | 53.8% | 87.5%-33.6pp | 86.8%-33.0pp | 80.3%-26.5pp |
| Annual return | 6.01% | 29.01%-23.0pp | 28.82%-22.8pp | 551.28%-545.3pp |
| Employer contribution / active EE | $2,695 | $7,022-61.6% | $6,427-58.1% | $4,663-42.2% |
| Participant deferral / active EE | $8,193 | $9,807-16.5% | $9,132-10.3% | $6,691+22.5% |
| Admin fee / account holder | $16,468 | $16,382+0.5% | $13,914+18.4% | $13,402+22.9% |