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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 | $116,512 | $102,595+13.6% | $94,057+23.9% | $154,746-24.7% |
| Participation rate | 54.5% | 76.0%-21.4pp | 73.3%-18.8pp | 80.7%-26.2pp |
| Annual return | 9.18% | 583.42%-574.2pp | 480.62%-471.4pp | 172.34%-163.2pp |
| Employer contribution / active EE | $1,223 | $3,147-61.1% | $2,933-58.3% | $4,379-72.1% |
| Participant deferral / active EE | $3,656 | $5,118-28.6% | $4,709-22.4% | $6,730-45.7% |
| Admin fee / account holder | $31,576 | $7,736+308.2% | $7,244+335.9% | $14,365+119.8% |