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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 | $77,461 | $183,516-57.8% | $155,534-50.2% | $145,884-46.9% |
| Participation rate | 41.2% | 82.7%-41.5pp | 78.2%-37.0pp | 80.3%-39.1pp |
| Annual return | 7.00% | 61.43%-54.4pp | 64.92%-57.9pp | 551.85%-544.8pp |
| Employer contribution / active EE | $2,585 | $5,315-51.4% | $4,675-44.7% | $4,662-44.6% |
| Participant deferral / active EE | $5,166 | $6,467-20.1% | $5,630-8.2% | $6,690-22.8% |
| Admin fee / account holder | $4,575 | $19,293-76.3% | $15,900-71.2% | $13,392-65.8% |