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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 | $224,882 | $97,078+131.7% | $103,065+118.2% | $145,897+54.1% |
| Participation rate | 61.9% | 81.1%-19.2pp | 80.6%-18.7pp | 80.3%-18.4pp |
| Annual return | 9.16% | 25.49%-16.3pp | 23.95%-14.8pp | 552.29%-543.1pp |
| Employer contribution / active EE | $1,707 | $4,680-63.5% | $4,675-63.5% | $4,663-63.4% |
| Participant deferral / active EE | $5,025 | $6,601-23.9% | $6,625-24.2% | $6,689-24.9% |
| Admin fee / account holder | $14,925 | $12,505+19.4% | $9,349+59.6% | $13,390+11.5% |