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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 | $113,039 | $110,240+2.5% | $96,544+17.1% | $139,487-19.0% |
| Participation rate | 58.8% | 78.1%-19.3pp | 76.0%-17.2pp | 80.3%-21.5pp |
| Annual return | 4.47% | 26.41%-21.9pp | 25.88%-21.4pp | 373.84%-369.4pp |
| Employer contribution / active EE | $1,812 | $3,622-50.0% | $2,966-38.9% | $4,755-61.9% |
| Participant deferral / active EE | $8,827 | $5,549+59.1% | $4,851+81.9% | $6,713+31.5% |
| Admin fee / account holder | $297,702 | $11,602+2465.8% | $8,254+3506.6% | $11,407+2509.7% |