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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 | $95,638 | $99,994-4.4% | $146,643-34.8% | $85,847+11.4% |
| Participation rate | 50.0% | 73.1%-23.1pp | 80.1%-30.1pp | 69.3%-19.3pp |
| Annual return | 7.16% | 18.93%-11.8pp | 22.75%-15.6pp | 318.61%-311.4pp |
| Employer contribution / active EE | $3,310 | $2,559+29.3% | $4,137-20.0% | $2,565+29.0% |
| Participant deferral / active EE | $5,788 | $4,006+44.5% | $5,506+5.1% | $3,952+46.5% |
| Admin fee / account holder | $51,894 | $7,703+573.7% | $10,280+404.8% | $6,261+728.9% |