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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 | $113,242 | $49,896+127.0% | $80,627+40.5% | $75,173+50.6% |
| Participation rate | 51.7% | 55.3%-3.6pp | 67.0%-15.3pp | 67.2%-15.5pp |
| Annual return | 13.79% | 34.67%-20.9pp | 936.76%-923.0pp | 160.72%-146.9pp |
| Employer contribution / active EE | $876 | $1,699-48.4% | $2,723-67.8% | $2,671-67.2% |
| Participant deferral / active EE | $1,770 | $2,992-40.8% | $4,443-60.2% | $4,126-57.1% |
| Admin fee / account holder | $31,780 | $3,578+788.2% | $5,381+490.6% | $5,651+462.4% |