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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 | $68,674 | $217,432-68.4% | $185,851-63.0% | $167,553-59.0% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 5.04% | 148.43%-143.4pp | 122.11%-117.1pp | 478.89%-473.9pp |
| Employer contribution / active EE | $1,823 | $5,874-69.0% | $5,168-64.7% | $4,840-62.3% |
| Participant deferral / active EE | $9,320 | $6,357+46.6% | $5,569+67.4% | $6,343+46.9% |
| Admin fee / account holder | $451 | $19,820-97.7% | $16,245-97.2% | $12,316-96.3% |