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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 | $117,156 | $162,136-27.7% | $152,301-23.1% | $154,746-24.3% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 11.37% | 91.02%-79.7pp | 80.50%-69.1pp | 172.34%-161.0pp |
| Employer contribution / active EE | $3,985 | $4,890-18.5% | $4,624-13.8% | $4,379-9.0% |
| Participant deferral / active EE | $12,244 | $8,341+46.8% | $8,004+53.0% | $6,730+81.9% |
| Admin fee / account holder | $25,231 | $15,759+60.1% | $14,398+75.2% | $14,365+75.6% |