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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 | $89,932 | $159,934-43.8% | $147,005-38.8% | $145,959-38.4% |
| Participation rate | 53.8% | 84.0%-30.2pp | 82.2%-28.3pp | 80.3%-26.4pp |
| Annual return | 9.44% | 98.24%-88.8pp | 418.76%-409.3pp | 561.95%-552.5pp |
| Employer contribution / active EE | $2,239 | $5,287-57.7% | $4,934-54.6% | $4,661-52.0% |
| Participant deferral / active EE | $5,906 | $8,427-29.9% | $8,070-26.8% | $6,689-11.7% |
| Admin fee / account holder | $57,290 | $15,053+280.6% | $13,006+340.5% | $13,398+327.6% |