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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 | $142,040 | $102,422+38.7% | $147,117-3.5% | $80,959+75.4% |
| Participation rate | 51.4% | 75.9%-24.5pp | 82.2%-30.8pp | 67.7%-16.3pp |
| Annual return | 7.97% | 135.16%-127.2pp | 420.54%-412.6pp | 35.67%-27.7pp |
| Employer contribution / active EE | $1,582 | $3,717-57.5% | $4,932-67.9% | $2,757-42.6% |
| Participant deferral / active EE | $4,062 | $6,652-38.9% | $8,065-49.6% | $4,300-5.5% |
| Admin fee / account holder | $3,212 | $7,953-59.6% | $12,993-75.3% | $6,925-53.6% |