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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 | $217,823 | $183,539+18.7% | $155,556+40.0% | $145,897+49.3% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 8.61% | 61.31%-52.7pp | 64.84%-56.2pp | 552.29%-543.7pp |
| Employer contribution / active EE | $1,143 | $5,315-78.5% | $4,675-75.6% | $4,663-75.5% |
| Participant deferral / active EE | $3,597 | $6,467-44.4% | $5,631-36.1% | $6,689-46.2% |
| Admin fee / account holder | $2,995 | $19,275-84.5% | $15,885-81.1% | $13,390-77.6% |