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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 | $106,218 | $172,111-38.3% | $150,298-29.3% | $137,256-22.6% |
| Participation rate | 50.0% | 81.7%-31.7pp | 77.8%-27.8pp | 80.0%-30.0pp |
| Annual return | 8.46% | 69.37%-60.9pp | 62.79%-54.3pp | 220.34%-211.9pp |
| Employer contribution / active EE | $3,474 | $4,636-25.1% | $4,154-16.4% | $4,156-16.4% |
| Participant deferral / active EE | $4,805 | $6,166-22.1% | $5,453-11.9% | $6,407-25.0% |
| Admin fee / account holder | $102,615 | $16,471+523.0% | $14,116+627.0% | $12,270+736.3% |